Lake County property record for 845 Osage Ter, Wauconda, IL 60084
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 925 sqft · built 1963 |
| Lot Size | 0.251 acres (10,920 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $295,000 (Dec 2025) |
| Tax Bill | $4,691 (2025) |
| Deeds & Mortgages | May 2026 Transfer Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-23-306-017 |
| Primary APN | 09-23-306-017 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 925 sqft Living Area |
| Gross Area | 1,850 sqft |
| 1st Floor Area | 925 sqft |
| Basement Area | 925 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 10,920 sqft (0.251 acres) |
| Garage Type | Detached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 524 sqft |
| Patio Area | 324 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 845 OSAGE TER |
|---|---|
| City | WAUCONDA |
| State | IL |
| Zip | 60084-1141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LARKDALE UNIT NO. 8 LOT 32 BLOCK 5 |
| Legal Subdivision | LARKDALE UNIT NO. 8 |
| Legal Block | 5 |
| Legal Lot Number | 32 |
| Legal Unit | 8 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WAUCONDA |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 864204 |
Source: Lake County records, as of June 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 845 OSAGE TER, WAUCONDA, IL 60084-1141 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| May 28, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Aug 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP |
| Dec 5, 2025 | Warranty Deed, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2025 · Amount on Record |
| Deed Sale | Dec 5, 2025 · Amount on Record |
| Deed Document Number | 20258138120 |
| Prior Transfer Date | Jun 2, 2000 |
| Prior Transfer Doc | 0004552016 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | May 28, 2026 |
| Property Address | 845 OSAGE TER, WAUCONDA, IL 60084-1141 |
| Document Number | 0008171748 |
| Instrument Date | May 6, 2026 |
| Instrument | 20268171748 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 845 OSAGE TER, WAUCONDA, IL 60084-1141 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 845 OSAGE TER, WAUCONDA, IL 60084-1141 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007821997 |
|---|---|
| Date | Aug 31, 2021 |
| Instrument | 7821997 |
| Name | AMERICAN PORTFOLIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PALATINE, IL 60067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Dec 5, 2025 |
| Property Address | 845 OSAGE TER, WAUCONDA, IL 60084-1141 |
| Document Number | 0008138120 |
| Instrument Date | Nov 19, 2025 |
| Instrument | 8138120 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2026 |
| Title Company | FREEDOM TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $295.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 845 OSAGE TER, WAUCONDA, IL 60084-1141 |
| Document Number | 0008138121 |
|---|---|
| Date | Dec 5, 2025 |
| Instrument | 8138121 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.37% |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Wauconda Township |
| Municipality | Wauconda Village |
| Unified School District | Wauconda Community Unit School District 118 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,691.00 (+4.31%) | $71,044 (+6.75%) Land $18,694 Building $52,350 | $213,154 (+6.75%) Land $56,088 Building $157,066 |
| 2024 | $4,497.00 (-16.8%) | $66,552 (+20.34%) Land $17,512 Building $49,040 | $199,676 (+20.34%) Land $52,541 Building $147,135 |
| 2023 | $5,405.00 (+5.05%) | $55,303 (-0.43%) Land $14,552 Building $40,751 | $165,925 (-0.43%) Land $43,660 Building $122,265 |
| 2022 | $5,145.00 | $55,542 Land $17,693 Building $37,849 | $166,642 Land $53,084 Building $113,558 |
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.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 79% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WAUCONDA serves 15,349 people · EPA ID IL0971850 |
|---|---|
| Water Source | Purchased surface water from CENTRAL LAKE COUNTY JAWA |
| Last State Inspection | Mar 2026 |
| Lead | 10 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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