Lake County property record for 8540 Cedar St, Fox Lake, IL 60020
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,676 sqft · built 1994 |
| Lot Size | 0.187 acres (8,124 sqft) |
| Owner | Individual Name on File |
| Last Sale | $178,000 (Aug 1999) |
| Tax Bill | $6,786 (2024) |
| Deeds & Mortgages | Jan 2022 Mortgage Oct 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-28-401-173 |
| Primary APN | 01-28-401-173 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,676 sqft Living Area |
| Gross Area | 2,970 sqft |
| 1st Floor Area | 838 sqft |
| 2nd Floor Area | 838 sqft |
| Upper Floors Area | 838 sqft |
| Basement Area | 838 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,124 sqft (0.187 acres) |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 327 sqft |
| Deck Area | Deck Area |
| Patio Area | 244 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8540 CEDAR ST |
|---|---|
| City | FOX LAKE |
| State | IL |
| Zip | 60020-1053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HICKORY WOODS; LOT 65 |
| Legal Subdivision | HICKORY WOODS |
| Legal Lot Number | 65 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | ANTIOCH |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 860807 |
8540 Cedar St is owned and occupied by an individual who acquired it in October 2021.
Source: Lake County records, as of April 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8540 CEDAR ST, FOX LAKE, IL 60020-1053 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Oct 28, 2021 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FIDELITY MORTGAGE SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 6, 1999 · Amount on File |
| Deed Sale | Aug 6, 1999 · Amount on File |
| Prior Sale | Mar 10, 1995 · Amount on File |
| Deed Document Number | 19994398039 |
| Last Transfer Date | Oct 27, 2021 |
| Transfer Doc | 0007839258 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 8540 CEDAR ST, FOX LAKE, IL 60020-1053 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2022 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0007861562 |
|---|---|
| Date | Jan 13, 2022 |
| Instrument | 7861562 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Dec 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Oct 28, 2021 |
| Property Address | 8540 CEDAR ST, FOX LAKE, IL 60020-1053 |
| Document Number | 0007839258 |
| Map Reference | DOC 3067659 |
| Instrument Date | Oct 27, 2021 |
| Instrument | 7839258 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8540 CEDAR ST, FOX LAKE, IL 60020-1053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 8540 CEDAR ST, FOX LAKE, IL 60020-1053 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007548535 |
|---|---|
| Date | Mar 13, 2019 |
| Instrument | 7548535 |
| Name | AMERICAN FIDELITY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | WHEATON, IL 60189 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Antioch Township |
| Municipality | Fox Lake Village |
| Elementary School District | Fox Lake Grade School District 114 (PK - 08) |
| Secondary School District | Grant Community High School District 124 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $99,135 Land $6,673 Building $92,462 | $297,435 Land $20,021 Building $277,414 | |
| 2024 | $6,786.00 (+9.36%) | ||
| 2023 | $6,205.00 (+4.74%) | $82,184 (+9.7%) Land $5,532 Building $76,652 | $246,577 (+9.7%) Land $16,598 Building $229,979 |
| 2022 | $5,924.00 | $74,915 Land $4,843 Building $70,072 | $224,767 Land $14,530 Building $210,237 |
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.
FEMA maps place 8540 Cedar 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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 5 (1979–2017) |
| Most Recent Claim | Jul 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 risk around 8540 Cedar St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | FOX LAKE serves 11,780 people · EPA ID IL0970200 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Copper | 1.58 mg/L (2025) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 37 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.
Source: FCC Broadband Data Collection, based on 40 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 |
| AT&T DSL | 100 / 20 |
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