Lake County property record for 865 Osterman Ave, Deerfield, IL 60015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,428 sqft · built 1928 |
| Lot Size | 0.192 acres (8,350 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $705,000 (Apr 2024) |
| Tax Bill | $13,884 (2024) |
| Deeds & Mortgages | Oct 2025 Mortgage Apr 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-32-210-005 |
| Primary APN | 16-32-210-005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,428 sqft Living Area |
| Gross Area | 3,189 sqft |
| 1st Floor Area | 1,222 sqft |
| 2nd Floor Area | 1,206 sqft |
| Upper Floors Area | 1,206 sqft |
| Basement Area | 761 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,350 sqft (0.192 acres) |
| Lot Dimensions | 167 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Street Address | 865 OSTERMAN AVE |
|---|---|
| City | DEERFIELD |
| State | IL |
| Zip | 60015-4248 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDWIN P. OSTERMANS SUB LOT 59 |
| Legal Subdivision | EDWIN P. OSTERMANS SUB |
| Legal Lot Number | 59 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WEST DEERFIELD |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 864903 |
865 Osterman Ave is owned and occupied by two individuals who bought it in April 2024.
Source: Lake County records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 865 OSTERMAN AVE, DEERFIELD, IL 60015-4248 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Oct 16, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 19, 2024 | Deed, Transfer · Conventional Mortgage PROPER RATE LLC |
| Jul 15, 2020 | Deed of Trust, Mortgage · Line of Credit EVERGREEN BANK GROUP |
| Apr 2, 2020 | Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE |
| Sep 14, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2024 · Amount on File |
| Deed Sale | Apr 19, 2024 · Amount on File |
| Prior Sale | Sep 14, 2018 · Amount on File |
| Deed Document Number | 20248030189 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 865 OSTERMAN AVE, DEERFIELD, IL 60015-4248 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 865 OSTERMAN AVE, DEERFIELD, IL 60015-4248 |
| Document Number | 0008128434 |
|---|---|
| Date | Oct 16, 2025 |
| Instrument | 8128434 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.57% |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Apr 19, 2024 |
| Property Address | 865 OSTERMAN AVE, DEERFIELD, IL 60015-4248 |
| Document Number | 0008030189 |
| Map Reference | DOC NUMBER 1561 MB J |
| Instrument Date | Apr 5, 2024 |
| Instrument | 8030189 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2024 |
| Title Company | PROPER TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $705.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 865 OSTERMAN AVE, DEERFIELD, IL 60015-4248 |
| Document Number | 0008030190 |
|---|---|
| Date | Apr 19, 2024 |
| Instrument | 8030190 |
| Name | PROPER RATE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Number | 0008030190 |
|---|---|
| Date | Apr 19, 2024 |
| Instrument | 8030190 |
| Name | PROPER RATE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1800 W LARCHMONT AVE # 301, CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 865 OSTERMAN AVE, DEERFIELD, IL 60015-4248 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0007673838 |
|---|---|
| Date | Jul 15, 2020 |
| Instrument | 7673838 |
| Name | EVERGREEN BANK GROUP |
|---|---|
| Type | Bank |
| Address | OAK BROOK, IL 60523 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 238 Months |
| Due | May 22, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 865 OSTERMAN AVE, DEERFIELD, IL 60015-4248 |
| Document Number | 0007646369 |
| Instrument Date | Apr 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2020 |
| Title Company | RAVENSWOOD TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 865 OSTERMAN AVE DEERFIELD IL 600154248, DEERFIELD, IL 60015-4248 |
| Document Number | 0007646369 |
|---|---|
| Date | Apr 8, 2020 |
| Instrument | 7646369 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 7, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Sep 14, 2018 |
| Property Address | 865 OSTERMAN AVE, DEERFIELD, IL 60015-4248 |
| Document Number | 0007512845 |
| Instrument Date | Sep 7, 2018 |
| Instrument | 7512845 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2018 |
| Title Company | CAMBRIDGE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $701.25 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 865 OSTERMAN AVE DEERFIELD IL 600154248, DEERFIELD, IL 60015-4248 |
| Document Number | 7512846 |
|---|---|
| Date | Sep 14, 2018 |
| Instrument | 7512846 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 13, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
Source: Lake County assessment roll, as of April 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $168,414 Land $39,975 Building $128,439 | $505,293 Land $119,937 Building $385,356 | |
| 2024 | $13,884.00 (-6.54%) | ||
| 2023 | $14,856.00 (+6.02%) | $152,155 (-6.59%) Land $36,593 Building $115,562 | $456,511 (-6.59%) Land $109,790 Building $346,721 |
| 2022 | $14,012.00 | $162,881 Land $39,304 Building $123,577 | $488,692 Land $117,924 Building $370,768 |
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 865 Osterman Ave in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1979.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 10 (1979–1987) |
| Claims Outside the SFHA | 4 of 10 |
| Most Recent Claim | Aug 1987 · 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 865 Osterman Ave is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 391 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 · Fiber in parts of the area | 100 / 20 |
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