764 Oak Ave, Lake Bluff, IL 60044 Property Records

Lake County property record for 764 Oak Ave, Lake Bluff, IL 60044

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,934 sqft · built 1998
Lot Size	0.152 acres (6,599 sqft)
Owner	Individual Name on Record
Last Sale	$865,000 (Nov 2012)
Tax Bill	$25,976 (2024)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-21-101-009`

Property Details

APN / Parcel Number

Primary APN	`12-21-101-009`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,934 sqft Living Area
Gross Area	4,368 sqft
1st Floor Area	1,484 sqft
Upper Floors Area	1,400 sqft
Basement Area	1,484 sqft
Finished Basement	1,050 sqft
Unfinished Basement	434 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	6,599 sqft (0.152 acres)
Lot Dimensions	50 ft deep x 132 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	764 OAK AVE
City	LAKE BLUFF
State	IL
Zip	60044-2182
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE OF LAKE BLUFF CLOES ADD LOTS 19 & LOT 20 BLOCK 1
Legal Subdivision	VILLAGE OF LAKE BLUFF CLOES ADD
Legal Block	1
Legal Lot Number	19,20
Jurisdiction	LAKE IL
Township / Civil Division	SHIELDS
Census Block Group	2
Census Block	2041
Census Tract	863300

Owner

Source: Lake County records, as of April 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	764 OAK AVE, LAKE BLUFF, IL 60044-2182
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2012 · Amount on Record
Deed Sale	Nov 7, 2012 · Amount on Record
Prior Sale	Dec 14, 1998 · Amount on Record
Deed Document Number	20126919786
Last Transfer Date	Aug 27, 2014
Transfer Doc	0007127674
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	764 OAK AVE, LAKE BLUFF, IL 60044-2182
Transaction Type	Mortgage
Record Updated	Jul 2, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007787472
Date	May 13, 2021
Instrument	7787472

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Apr 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.62%
Index	Other
Max Rate	7.62%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Shields Township
Municipality	Lake Bluff Village
Elementary School District	Lake Bluff Elementary School District 65 (KG - 08)
Secondary School District	Lake Forest Community High School District 115 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$420,051 (+20.59%) Land $104,135 Building $315,916	$1,260,279 (+20.59%) Land $312,436 Building $947,843
2024	$25,976.00 (+13.78%)
2023	$22,830.00 (+3.62%)	$348,342 (+5.97%) Land $86,357 Building $261,985	$1,045,131 (+5.97%) Land $259,097 Building $786,034
2022	$22,033.00	$328,730 Land $81,495 Building $247,235	$986,288 Land $244,509 Building $741,779

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1983)
Most Recent Claim	Aug 1983 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE BLUFF serves 5,600 people · EPA ID IL0970750
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber · Fixed Wireless, DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20