990 McCormick Dr, Lake Forest, IL 60045 Property Records

Lake County property record for 990 McCormick Dr, Lake Forest, IL 60045

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,589 sqft · built 1975
Lot Size	0.854 acres (37,200 sqft)
Owner	2 Individual Names on File
Tax Bill	$31,246 (2024)
Deeds & Mortgages	Mar 2019 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-03-302-021`

Property Details

APN / Parcel Number

Primary APN	`16-03-302-021`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	5,589 sqft Living Area
Gross Area	9,559 sqft
1st Floor Area	3,211 sqft
2nd Floor Area	2,378 sqft
Upper Floors Area	2,378 sqft
Basement Area	3,211 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1982
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	37,200 sqft (0.854 acres)
Garage Type	Attached
Garage Area	759 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	158 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	990 MCCORMICK DR
City	LAKE FOREST
State	IL
Zip	60045-3360
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 3 ROBERT W KENDLERS VILLA TURICUM SUB LOT 43
Legal Subdivision	UNIT 3 ROBERT W KENDLERS VILLA TURICUM S
Legal Lot Number	43
Legal Unit	3
Jurisdiction	LAKE IL
Township / Civil Division	MORAINE
Census Block Group	1
Census Block	1015
Census Tract	865000

Owner

990 McCormick Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	990 MCCORMICK DR, LAKE FOREST, IL 60045-3360
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Mar 4, 2019	Deed of Trust, Mortgage · ARM CITIBANK NA
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	990 MCCORMICK DR, LAKE FOREST, IL 60045-3360
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACQUEST TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007546421
Date	Mar 4, 2019
Instrument	7546421

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	990 MCCORMICK DR, LAKE FOREST, IL 60045-3360
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACQUEST TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007665126
Date	Jun 17, 2020
Instrument	7665126

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Moraine 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		$570,658 Land $141,673 Building $428,985	$1,712,146 Land $425,062 Building $1,287,084
2024	$31,246.00 (+17.07%)
2023	$26,690.00 (+5.48%)	$484,949 (+6.69%) Land $120,395 Building $364,554	$1,454,992 (+6.69%) Land $361,221 Building $1,093,771
2022	$25,303.00	$454,552 Land $132,261 Building $322,291	$1,363,793 Land $396,823 Building $966,970

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

Flood

FEMA maps place 990 McCormick Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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	8 in force
Nearby Flood Claims	2 (2008–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2010 · 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

Wildfire risk around 990 McCormick Dr 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	Direct burnable vegetation

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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