905 Madison Ave, Wauconda, IL 60084 Property Records

Lake County property record for 905 Madison Ave, Wauconda, IL 60084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,516 sqft · built 1987
Lot Size	0.172 acres (7,501 sqft)
Owner	Trust Name on File
Last Sale	$225,000 (Oct 2017)
Tax Bill	$8,286 (2025)
Deeds & Mortgages	Jun 2023 Transfer Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`09-24-422-060`

Property Details

APN / Parcel Number

Primary APN	`09-24-422-060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,516 sqft Living Area
Gross Area	1,956 sqft
1st Floor Area	766 sqft
2nd Floor Area	750 sqft
Upper Floors Area	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,501 sqft (0.172 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	196 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	905 MADISON AVE
City	WAUCONDA
State	IL
Zip	60084-1329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE VIEW VILLA SUB; LOT 13 & N1/2 VAC ALLEY LYG S & ADJ SD LT BLK 1 LOT 13 BLOCK 1
Legal Subdivision	LAKE VIEW VILLA SUB
Legal Block	1
Legal Lot Number	13
Jurisdiction	LAKE IL
Township / Civil Division	WAUCONDA
Census Block Group	2
Census Block	2016
Census Tract	864208

Owner

905 Madison Ave is owner-occupied and held in a trust since October 2017.

Source: Lake County records, as of July 22, 2026

Owner of Record	Trust Name on File
Mailing Address	905 MADISON AVE, WAUCONDA, IL 60084-1329
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Aug 26, 2022	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST NATIONAL BANK OF OTTAWA
Oct 6, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2017 · Amount on File
Deed Sale	Oct 6, 2017 · Amount on File
Deed Document Number	20177433438
Prior Transfer Date	Sep 15, 2017
Prior Transfer Doc	0007433438
Record Updated	Oct 29, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IL
Recording Date	Jun 9, 2023
Property Address	905 MADISON AVE, WAUCONDA, IL 60084-1329
Document Number	0007977656
Map Reference	DOC 281470
Instrument Date	Jun 2, 2023
Instrument	7977656
Transaction Type	Transfer
Record Updated	Jun 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 MADISON AVE, WAUCONDA, IL 60084-1329

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	905 MADISON AVE, WAUCONDA, IL 60084-1329
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 MADISON AVE, WAUCONDA, IL 60084-1329

Mortgage

Document Number	0007929175
Date	Aug 26, 2022
Instrument	7929175

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 24, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.34%
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	905 MADISON AVE, WAUCONDA, IL 60084-1329
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007723940
Date	Dec 7, 2020
Instrument	7723940

Lender

Name	THE FIRST NATIONAL BANK OF OTTAWA
Type	Bank
Address	OTTAWA, IL 61350

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Oct 6, 2017
Property Address	905 MADISON AVE, WAUCONDA, IL 60084-1329
Document Number	0007433438
Instrument Date	Sep 15, 2017
Instrument	7433438
Transaction Type	Transfer
Record Updated	Oct 19, 2017
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$337.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	340 TERRA SPRINGS CIR VOLO IL 600203210, VOLO, IL 60020-3210

Mortgage

Document Number	7433439
Date	Oct 6, 2017
Instrument	7433439

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 5, 2047

Interest

Rate Type	Fixed Rate
Rate	3.99%

Tax Assessment & Valuation

The 2025 property tax bill for 905 Madison Ave was $8,286 with a homeowner's exemption, up 2.8% from the year before.

Source: Lake County assessment roll, as of April 29, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,286.00 (+2.84%)	$105,228 Land $36,000 Building $69,228	$315,716 Land $108,011 Building $207,705
2024	$8,057.00 (+2.29%)
2023	$7,877.00 (+4.84%)	$90,105 (+9.92%) Land $30,826 Building $59,279	$270,342 (+9.92%) Land $92,487 Building $177,855
2022	$7,513.00	$81,973 Land $26,700 Building $55,273	$245,944 Land $80,108 Building $165,836

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.

Flood

FEMA maps place 905 Madison Ave in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	2 (2017–2020)
Most Recent Claim	May 2020 · 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

Wildfire risk around 905 Madison 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.

Drinking Water

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

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 312 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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