Lake County property record for 920 Elm Tree Rd, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 5,548 sqft · built 1950 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $43,473 (2025) |
| Deeds & Mortgages | Jun 2026 Transfer Jun 2026 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-28-407-038 |
| Primary APN | 12-28-407-038 |
|---|
| Full Baths | 5 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 5,548 sqft Living Area |
| Gross Area | 6,864 sqft |
| 1st Floor Area | 3,542 sqft |
| Upper Floors Area | 2,006 sqft |
| Basement Area | 894 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 39,204 sqft (0.9 acres) |
| Garage Type | Attached |
| Garage Area | 422 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 920 ELM TREE RD |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-1410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUB OF LOTS 63 & 64 L.F. N 149 FT (MEASD ON W LN) (EX BEG AT NECOR TH W ON N LN 210FT TH S 85DEG55MIN E 209.04 FT TO E L N THN ON E LN 15 FT TO POB) LOT C |
| Legal Subdivision | LAKE FOREST |
| Legal Lot Number | 63,64 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 863400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lake Forest Historic District listed 1978 · 590 contributing resources · NRIS 78001161 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
920 Elm Tree Rd is owner-occupied and held in a trust since July 2003.
Source: Lake County records, as of July 7, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 920 ELM TREE RD, LAKE FOREST, IL 60045-1410 |
| 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.
| Date | Document |
|---|---|
| Jun 22, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 22, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 14, 2018 | Deed of Trust, Mortgage · Line of Credit LAKE FOREST BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 3, 2003 |
| Transfer Doc | 0005343895 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jun 22, 2026 |
| Property Address | 920 ELM TREE RD, LAKE FOREST, IL 60045-1410 |
| Document Number | 0008176669 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 20268176669 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 151 SEASPRAY LN, VERO BEACH, FL 32963-9510 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jun 22, 2026 |
| Property Address | 920 ELM TREE RD, LAKE FOREST, IL 60045-1410 |
| Document Number | 0008176670 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 20268176670 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 920 ELM TREE RD, LAKE FOREST, IL 60045-1410 |
| Document Number | 0007516417 |
| Instrument Date | Sep 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 920 ELM TREE RD LAKE FOREST IL 600451410, LAKE FOREST, IL 60045-1410 |
| Document Number | 0007516417 |
|---|---|
| Date | Oct 1, 2018 |
| Instrument | 7516417 |
| Name | LAKE FOREST BK&TR |
|---|---|
| Type | Bank |
| Address | LAKE FOREST, IL 60045 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
The 2025 property tax bill for 920 Elm Tree Rd was $43,473, up 7.3% from the year before.
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 | $43,473.00 (+7.26%) | $752,701 Land $327,200 Building $425,501 | $2,258,329 Land $981,698 Building $1,276,631 |
| 2024 | $40,531.00 (+24.13%) | ||
| 2023 | $32,652.00 (+2.87%) | $567,990 (+2.94%) Land $246,906 Building $321,084 | $1,704,140 (+2.94%) Land $740,792 Building $963,348 |
| 2022 | $31,741.00 | $551,777 Land $239,858 Building $311,919 | $1,655,497 Land $719,646 Building $935,851 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 920 Elm Tree Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1990.
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 | 7 in force |
| Nearby Flood Claims | 1 (1990) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 1990 · 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 risk around 920 Elm Tree Rd 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 97% of the US · lower than 79% 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 | 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 136 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 Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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