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Single Family ResidenceResidential
$1,883,288$324 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $1,150,000 on Nov 7, 2017

440 SADDLE RUN

LAKE FOREST, IL 60045
5
Beds
7 / 3
Baths
5,821 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.9M
$1.7M low$2M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,150,000 · Nov 7, 2017
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$263,288
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$210,630
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.86%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$920,000
BAXTER CU · 3% 1 · recorded Nov 7, 2017
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$700,000
BAXTER CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$27,317 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$463,491 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$138,105
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$325,386
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$444,809
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,390,612

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyLake
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1997
Lot (acres)The size of the land the home sits on, from county records.1.25
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 1,686 ft²Porch · 68 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Cherokee Elementary SchoolA+
Elementary · Grades KG–4 · 1.2 mi
M
Deer Path Middle School WestA+
Middle · Grades 7–8 · 1.3 mi
H
Lake Forest High SchoolA
High · Grades 9–12 · 2.5 mi

District: Lake Forest School District 67

Neighborhood · ZIP 60045These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.87
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.114
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.40

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.39%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.21,049
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.934 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$182,935
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$257,314
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.36 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

440 Saddle Run measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in Lake County
  • Costs more per square foot than 87% of homes in Lake County
  • Bigger than 98% of homes in Lake County
  • Has a bigger lot than 94% of homes in Lake County
  • Newer than 75% of homes in Lake Forest 60045

What homes are worth in Lake Forest 60045

Each bar is how many homes fall in that price range. The marker is this home.

This home
$405K$4.1M

This home is worth more than 81% of homes in Lake Forest 60045.

How it measures up in Lake Forest 60045

The dot is this home. The mark in the middle is the typical home in Lake Forest 60045.

Estimated value$1,883,288
CheaperTypical $1,157,753Pricier

Pricier than 81% of homes nearby

Price per ft²$324
CheaperTypical $376Pricier

Pricier than 22% of homes nearby

Living area5,821 ft²
SmallerTypical 3,194 ft²Bigger

Bigger than 90% of homes nearby

Lot size1.25 ac
SmallerTypical 0.52 acBigger

Bigger than 80% of homes nearby

Year built1989
OlderTypical 1974Newer

Newer than 75% of homes nearby

How 440 Saddle Run ranks against every home in each area.
MeasureThis homeLake Forest 60045Lake County
Estimated valuepricier than$1,883,28881% of homesalmost all homes
Price per ft²pricier than$32422% of homes87% of homes
Living areabigger than5,821 ft²90% of homes98% of homes
Lot sizebigger than1.25 ac80% of homes94% of homes
Year builtnewer than198975% of homes62% of homes

About 440 Saddle Run

How much is 440 Saddle Run, Lake Forest, IL worth?

The TopHap Estimate for 440 Saddle Run, Lake Forest, IL is $1,883,288 as of Jul 14, 2026. The likely range is $1,728,237 to $2,038,339. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 440 Saddle Run, Lake Forest, IL last sell?

440 Saddle Run, Lake Forest, IL last sold on Nov 7, 2017 for $1,150,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 440 Saddle Run, Lake Forest, IL?

440 Saddle Run, Lake Forest, IL has 5 bedrooms, 7 bathrooms, 5,821 square feet of living space and a 1.25-acre lot.

When was 440 Saddle Run, Lake Forest, IL built?

440 Saddle Run, Lake Forest, IL was built in 1989, making it 37 years old. It is a conventional home. The building has 2 stories.

What schools serve 440 Saddle Run, Lake Forest, IL?

440 Saddle Run, Lake Forest, IL is assigned to Cherokee Elementary School (elementary), rated A+; Deer Path Middle School West (middle), rated A+; Lake Forest High School (high), rated A. All sit in Lake Forest School District 67. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 440 Saddle Run, Lake Forest, IL compare to other homes in Lake Forest 60045?

Among the 7,552 homes in Lake Forest 60045, it is worth more than 81% of them ($1,883,288 against a typical $1,157,753), its price per square foot is higher than 22% of them ($324 against a typical $376), it is bigger than 90% of them (5,821 ft² against a typical 3,194 ft²), its lot is bigger than 80% of them (1.25 ac against a typical 0.52 ac) and it is newer than 75% of them (1989 against a typical 1974). Measured against all of Lake County, it is worth more than almost all homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 440 Saddle Run, Lake Forest, IL?

The 2024 property tax bill for 440 Saddle Run, Lake Forest, IL was $27,317. The county assessed it at $463,491.

Closest homes

More homes in Lake Forest 60045

Assigned schools

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