Lake County property record for 991 Ashley Rd, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,176 sqft · built 1987 |
| Lot Size | 0.841 acres (36,617 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,225,000 (May 2017) |
| Tax Bill | $30,332 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Jul 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-03-107-016 |
| Primary APN | 16-03-107-016 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,176 sqft Living Area |
| Gross Area | 6,760 sqft |
| 1st Floor Area | 2,424 sqft |
| 2nd Floor Area | 1,752 sqft |
| Upper Floors Area | 1,752 sqft |
| Basement Area | 1,752 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 36,617 sqft (0.841 acres) |
| Garage Type | Attached |
| Garage Area | 832 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 18 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 991 ASHLEY RD |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-3379 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HAVENWOOD; LOT 12 |
| Legal Subdivision | HAVENWOOD |
| Legal Lot Number | 12 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | MORAINE |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 865000 |
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.
991 Ashley Rd is owned and occupied by two individuals who bought it in May 2017.
Source: Lake County records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 991 ASHLEY RD, LAKE FOREST, IL 60045-3379 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Mar 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Jul 29, 2019 | Deed of Trust, Mortgage BANK OF AMERICA |
| May 4, 2017 | Warranty Deed, Transfer HOMESERVICES LNDG |
| May 4, 2017 | Warranty Deed, Transfer OTHER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2017 · Amount on File |
| Deed Sale | May 4, 2017 · Amount on File |
| Prior Sale | Oct 14, 2008 · Amount on File |
| Deed Document Number | 20177392022 |
| Prior Transfer Date | Jun 17, 2004 |
| Prior Transfer Doc | 0005619836 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 991 ASHLEY RD, LAKE FOREST, IL 60045-3379 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | NOT AVAILABLE, RAVENSWOOD TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0007768134 |
|---|---|
| Date | Mar 25, 2021 |
| Instrument | 7768134 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 991 ASHLEY RD, LAKE FOREST, IL 60045-3379 |
| Document Number | 0007581712 |
| Instrument Date | Jul 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 991 ASHLEY RD LAKE FOREST IL 600453379, LAKE FOREST, IL 60045-3379 |
| Document Number | 0007581712 |
|---|---|
| Date | Aug 5, 2019 |
| Instrument | 7581712 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 4, 2049 |
| Rate | 3.37% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | May 4, 2017 |
| Property Address | 991 ASHLEY RD, LAKE FOREST, IL 60045-3379 |
| Document Number | 0007392023 |
| Instrument Date | Mar 3, 2017 |
| Instrument | 7392023 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2017 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,837.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1844 N SEDGWICK ST CHICAGO IL 606148987, CHICAGO, IL 60614-8987 |
| Document Number | 7392024 |
|---|---|
| Date | May 4, 2017 |
| Instrument | 7392024 |
| Name | HOMESERVICES LNDG |
|---|---|
| Address | WEST DES MOINES, IA 50266 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 3, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | May 4, 2017 |
| Property Address | 991 ASHLEY RD, LAKE FOREST, IL 60045-3379 |
| Document Number | 0007392022 |
| Instrument Date | Nov 3, 2015 |
| Instrument | 7392022 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2017 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Tax | $1,837.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1980 POST OAK BLVD #610 HOUSTON TX 770563845, 610, HOUSTON, TX 77056-3845 |
| Investor | Possibly a Property Investor |
Source: Lake County assessment roll, as of April 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $537,494 Land $160,763 Building $376,731 | $1,612,643 Land $482,337 Building $1,130,306 | |
| 2024 | $30,332.00 (+14.1%) | ||
| 2023 | $26,583.00 (+5.4%) | $456,765 (+3.39%) Land $136,617 Building $320,148 | $1,370,432 (+3.39%) Land $409,892 Building $960,540 |
| 2022 | $25,222.00 | $441,769 Land $150,081 Building $291,688 | $1,325,440 Land $450,288 Building $875,152 |
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.
FEMA maps place 991 Ashley Rd 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 risk around 991 Ashley 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 95% of the US · lower than 70% 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 165 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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