Lake County property record for 970 Symphony St, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,725 sqft · built 1999 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $805,000 (Oct 2003) |
| Tax Bill | $14,367 (2024) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-30-207-002 |
| Primary APN | 12-30-207-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,725 sqft Living Area |
| Gross Area | 5,102 sqft |
| 1st Floor Area | 2,081 sqft |
| Upper Floors Area | 644 sqft |
| Attic | Attic |
| Attic Area | 1,024 sqft |
| Basement Area | 1,936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 139 ft deep x 67 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 970 SYMPHONY ST |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-4232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARK LANE SUBDIVISION; LT29 IN UNIT A |
| Legal Subdivision | PARK LANE SUBDIVISION |
| Legal Lot Number | 29 |
| Legal Unit | A |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 863500 |
Source: Lake County records, as of April 29, 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 Record |
|---|---|
| Mailing Address | 970 SYMPHONY ST, LAKE FOREST, IL 60045-4232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| May 23, 2019 | Deed of Trust, Mortgage · ARM MUFG UNION BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2003 · Amount on Record |
| Deed Sale | Oct 8, 2003 · Amount on Record |
| Prior Sale | Jul 28, 2000 · Amount on Record |
| Deed Document Number | 20035394799 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 970 SYMPHONY ST, LAKE FOREST, IL 60045-4232 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2022 |
| Title Company | AF TITLE COMPANY, FOX TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0007877732 |
|---|---|
| Date | Feb 25, 2022 |
| Instrument | 7877732 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Feb 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.87% |
| Index | 1-Year CMT |
| Max Rate | 7.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 970 SYMPHONY ST, LAKE FOREST, IL 60045-4232 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007563978 |
|---|---|
| Date | May 23, 2019 |
| Instrument | 7563978 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Jun 1, 2059 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Jun 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.25% |
| Index | 1-Year LIBOR |
| Max Rate | 11.2% |
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 | $248,041 (+8.48%) Land $77,406 Building $170,635 | $744,197 (+8.48%) Land $232,241 Building $511,956 | |
| 2024 | $14,367.00 (+11.21%) | ||
| 2023 | $12,919.00 (-0.26%) | $228,651 (+3.95%) Land $68,749 Building $159,902 | $686,022 (+3.95%) Land $206,268 Building $479,754 |
| 2022 | $12,953.00 | $219,967 Land $66,138 Building $153,829 | $659,967 Land $198,434 Building $461,533 |
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.
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 7 (15% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 7 (1979–2007) |
| Claims Outside the SFHA | 4 of 7 |
| Most Recent Claim | Aug 2007 · 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 108 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 | 100 / 20 |
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