Lake County property record for 870 W Deerpath, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 6,253 sqft · built 1997 |
| Lot Size | 0.93 acres (40,502 sqft) |
| Owner | Trust Name on File |
| Last Sale | $1,775,000 (Jun 2003) |
| Tax Bill | $28,882 (2024) |
| Deeds & Mortgages | Jan 2026 Line of Credit Nov 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-31-210-016 |
| Primary APN | 12-31-210-016 |
|---|
| Full Baths | 5 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 6,253 sqft Living Area |
| Gross Area | 8,495 sqft |
| 1st Floor Area | 2,927 sqft |
| Upper Floors Area | 3,326 sqft |
| Attic | Attic |
| Attic Area | 2,085 sqft |
| Basement Area | 1,502 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 40,502 sqft (0.93 acres) |
| Garage Type | Attached |
| Garage Area | 740 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 870 W DEERPATH |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-1615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTMORELAND ACRES LOT 3 |
| Legal Subdivision | WESTMORELAND ACRES |
| Legal Lot Number | 3 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 863500 |
870 W Deerpath is owner-occupied and held in a trust since December 2011.
Source: Lake County records, as of April 29, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 870 W DEERPATH, LAKE FOREST, IL 60045-1615 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 22, 2026 | Deed of Trust, Mortgage · Line of Credit CONSUMERS CU |
| Nov 6, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2003 · Amount on File |
| Deed Sale | Jun 27, 2003 · Amount on File |
| Prior Sale | Dec 6, 2002 · Amount on File |
| Deed Document Number | 20035288907 |
| Last Transfer Date | Dec 7, 2011 |
| Transfer Doc | 0006815293 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 870 W DEERPATH, LAKE FOREST, IL 60045-1615 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0008147177 |
|---|---|
| Date | Jan 22, 2026 |
| Instrument | 8147177 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Address | LAKE FOREST, IL 60045 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 20, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 870 W DEERPATH, LAKE FOREST, IL 60045-1615 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0008133157 |
|---|---|
| Date | Nov 6, 2025 |
| Instrument | 8133157 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Nov 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 5.62% |
| Max Rate At Change | 7.62% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 10.6% |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Shields Township |
| Municipality | Lake Forest City |
| Elementary School District | Lake Forest School District 67 (PK - 08) |
| Secondary School District | Lake Forest Community High School District 115 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $558,638 Land $166,644 Building $391,994 | $1,676,082 Land $499,982 Building $1,176,100 | |
| 2024 | $28,882.00 (+18.74%) | ||
| 2023 | $24,323.00 (-25.76%) | $417,647 (+0.92%) Land $124,586 Building $293,061 | $1,253,066 (+0.92%) Land $373,795 Building $879,271 |
| 2022 | $32,761.00 | $413,839 Land $123,450 Building $290,389 | $1,241,641 Land $370,387 Building $871,254 |
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 870 W Deerpath in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.
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 7 (15% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 6 (1982–2017) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Jul 2017 · rainfall accumulation |
| Claims by Event |
|
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 870 W Deerpath is low, with 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 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | LAKE FOREST serves 19,642 people · EPA ID IL0970800 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 21 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.
Source: FCC Broadband Data Collection, based on 69 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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