945 Charles Ave, Gurnee, IL 60031 Property Records

Lake County property record for 945 Charles Ave, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,369 sqft · built 1961
Lot Size	0.781 acres (33,999 sqft)
Owner	2 Individual Names on Record
Tax Bill	$12,229 (2024)
Deeds & Mortgages	Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-14-403-004`

Property Details

APN / Parcel Number

Primary APN	`07-14-403-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,369 sqft Living Area
Gross Area	3,958 sqft
1st Floor Area	2,369 sqft
Basement Area	779 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Tri-Level
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	33,999 sqft (0.781 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	945 CHARLES AVE
City	GURNEE
State	IL
Zip	60031-2038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROWNS SUB LOTS 7 & 8 ALSO VAC CHARLES AVELYG W & ADJ
Legal Subdivision	BROWNS SUB
Legal Lot Number	7,8
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	2
Census Block	2038
Census Tract	861508

Owner

Source: Lake County records, as of April 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	945 CHARLES AVE, GURNEE, IL 60031-2038
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 31, 2025
Transfer Doc	0008082210
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	945 CHARLES AVE, GURNEE, IL 60031-2038
Document Number	0007373645
Instrument Date	Jan 30, 2017
Transaction Type	Mortgage
Record Updated	Mar 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	945 CHARLES AVE GURNEE IL 600312038, GURNEE, IL 60031-2038

Mortgage

Document Number	0007373645
Date	Feb 16, 2017
Instrument	7373645

Lender

Name	COMMUNITY TR CU
Type	Credit Union
Address	GURNEE, IL 60031

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 15, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Warren Township
Municipality	Gurnee Village
Elementary School District	Gurnee School District 56 (PK - 08)
Secondary School District	Warren Township High School District 121 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$165,143 (+29.59%) Land $25,882 Building $139,261	$495,479 (+29.59%) Land $77,654 Building $417,825
2024	$12,229.00 (+15.67%)
2023	$10,572.00 (+15.78%)	$127,431 (+14.59%) Land $19,971 Building $107,460	$382,331 (+14.59%) Land $59,919 Building $322,412
2022	$9,131.00	$111,209 Land $20,943 Building $90,266	$333,660 Land $62,835 Building $270,825

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	41 (1979–2026)
Most Recent Claim	Apr 2026 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 3 claims Severe Storms & Flooding, Sep 1986 · 9 claims

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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GURNEE serves 30,193 people · EPA ID IL0970350
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 117 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 in parts of the area	100 / 20