890 Cherokee Rd, Lake Forest, IL 60045 Property Records

Lake County property record for 890 Cherokee Rd, Lake Forest, IL 60045

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,884 sqft · built 1962
Lot Size	0.56 acres (24,398 sqft)
Owner	2 Individual Names on File
Last Sale	$1,380,000 (May 2026)
Tax Bill	$18,178 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-09-206-009`

Property Details

APN / Parcel Number

Primary APN	`16-09-206-009`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,884 sqft Living Area
Gross Area	4,953 sqft
1st Floor Area	1,442 sqft
2nd Floor Area	1,442 sqft
Upper Floors Area	1,442 sqft
Basement Area	1,182 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	24,398 sqft (0.56 acres)
Lot Dimensions	200 ft deep x 122 ft wide
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	353 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	890 CHEROKEE RD
City	LAKE FOREST
State	IL
Zip	60045-3959
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING OAKS UNIT 5 LOT 8
Legal Subdivision	WHISPERING OAKS UNIT 5
Legal Lot Number	8
Legal Unit	5
Jurisdiction	LAKE IL
Township / Civil Division	WEST DEERFIELD
Census Block Group	2
Census Block	2016
Census Tract	864602

Owner

Source: Lake County records, as of June 9, 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	2 Individual Names on File
Mailing Address	890 CHEROKEE RD, LAKE FOREST, IL 60045-3959
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage DIAMOND RESIDENTIAL MORTGAGE CORP
Aug 18, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Feb 11, 2026	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2026 · Amount on File
Deed Sale	May 21, 2026 · Amount on File
Prior Sale	May 9, 2008 · Amount on File
Deed Document Number	20268170595
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	890 CHEROKEE RD, LAKE FOREST, IL 60045-3959
Transaction Type	Mortgage
Record Updated	Jun 10, 2026
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0007789361
Date	May 18, 2021
Instrument	7789361

Lender

Name	DIAMOND RESIDENTIAL MORTGAGE CORP
Type	Mortgage Company
Address	LAKE FOREST, IL 60045

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	8%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	890 CHEROKEE RD, LAKE FOREST, IL 60045-3959
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 CHEROKEE RD, LAKE FOREST, IL 60045-3959

Mortgage

Document Number	0007927326
Date	Aug 18, 2022
Instrument	7927326

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 29, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	890 CHEROKEE RD, LAKE FOREST, IL 60045-3959
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 CHEROKEE RD, LAKE FOREST, IL 60045-3959

Mortgage

Document Number	0008151079
Date	Feb 11, 2026
Instrument	8151079

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 23, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	May 21, 2026
Property Address	890 CHEROKEE RD, LAKE FOREST, IL 60045-3959
Document Number	0008170595
Instrument Date	Apr 24, 2026
Instrument	20268170595
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209,070.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	890 CHEROKEE RD, LAKE FOREST, IL 60045-3959

Mortgage

Document Number	0008170596,
Date	May 21, 2026
Instrument	20268170596

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$18,178.00 (+1.41%)	$324,544 (+22.35%) Land $134,138 Building $190,406	$973,729 (+22.35%) Land $402,454 Building $571,275
2024	$17,926.00 (+60.8%)
2023	$11,148.00 (+5.85%)	$265,253 (+38.31%) Land $109,632 Building $155,621	$795,839 (+38.31%) Land $328,929 Building $466,910
2022	$10,532.00	$191,778 Land $115,439 Building $76,339	$575,392 Land $346,352 Building $229,040

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	15 (1982–2022)
Claims Outside the SFHA	7 of 15
Most Recent Claim	Jul 2022 · rainfall accumulation

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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