814 Spruce St, Deerfield, IL 60015 Property Records

Lake County property record for 814 Spruce St, Deerfield, IL 60015

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,090 sqft · built 2016
Lot Size	0.37 acres (16,100 sqft)
Owner	Individual Name on File
Last Sale	$1,460,000 (Mar 2016)
Tax Bill	$37,863 (2024)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-29-321-020`

Property Details

APN / Parcel Number

Primary APN	`16-29-321-020`
Alternative APN	`16293210150000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Stories	1 Story
Building Area	4,090 sqft Living Area
Gross Area	6,835 sqft
1st Floor Area	2,031 sqft
2nd Floor Area	2,059 sqft
Upper Floors Area	2,195 sqft
Basement Area	2,031 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	16,100 sqft (0.37 acres)
Lot Dimensions	140 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	714 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	285 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	814 SPRUCE ST
City	DEERFIELD
State	IL
Zip	60015-2859
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ZELLETS SUB; LOT 1
Legal Subdivision	ZELLETS SUB
Legal Lot Number	1
Jurisdiction	LAKE IL
Township / Civil Division	WEST DEERFIELD
Census Block Group	4
Census Block	4013
Census Tract	864801

Owner

814 Spruce St is owned and occupied by an individual who bought it in March 2016.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	814 SPRUCE ST, DEERFIELD, IL 60015-2859
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2016 · Amount on File
Deed Sale	Mar 30, 2016 · Amount on File
Prior Sale	Jun 30, 2014 · Amount on File
Deed Document Number	20167279693
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	814 SPRUCE ST, DEERFIELD, IL 60015-2859
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007718311
Date	Nov 19, 2020
Instrument	7718311

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	West Deerfield Township
Municipality	Deerfield Village
Elementary School District	Deerfield School District 109 (PK - 08)
Secondary School District	Township High School District 113 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$452,057 Land $86,661 Building $365,396	$1,356,307 Land $260,009 Building $1,096,298
2024	$37,863.00 (-2.67%)
2023	$38,903.00 (+5.93%)	$385,655 (-7.48%) Land $77,018 Building $308,637	$1,157,081 (-7.48%) Land $231,077 Building $926,004
2022	$36,725.00	$416,814 Land $82,725 Building $334,089	$1,250,567 Land $248,200 Building $1,002,367

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

FEMA maps place 814 Spruce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	27 (1982–2017)
Claims Outside the SFHA	6 of 27
Most Recent Claim	Oct 2017 · river or lake flooding

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

The area around 814 Spruce St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	DEERFIELD serves 19,196 people · EPA ID IL0974340
Water Source	Purchased surface water from HIGHLAND PARK
Last State Inspection	Oct 2025
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	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 496 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20