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Single Family ResidenceResidential
$1,475,424$336 / 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

865 S RIDGE RD

LAKE FOREST, IL 60045
5
Beds
7 / 2
Baths
4,388 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.
1.68 ac
Lot SizeThe size of the land the home sits on, from county records.
1921
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.5M
$1.4M low$1.6M high
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.$773,424
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$618,739
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.50%
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.$502,000
LOANDEPOT.COM LLC · 2.75% · recorded Apr 13, 2021
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.$200,000
FIRST BANK OF HIGHLAND PARK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$22,369 (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.$433,290 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$218,369
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$214,921
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$365,677
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,300,000

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.1980
Lot (acres)The size of the land the home sits on, from county records.1.68
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.Porch · 377 ft²

Transaction History(1)

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 · 0.9 mi
M
Deer Path Middle School WestA+
Middle · Grades 7–8 · 1.7 mi
H
Lake Forest High SchoolA
High · Grades 9–12 · 2.9 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.Yes

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

865 S Ridge Rd 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.

  • Worth more than 98% of homes in Lake County
  • Costs more per square foot than 89% of homes in Lake County
  • Bigger than 96% of homes in Lake County
  • Has a bigger lot than 96% of homes in Lake County
  • Older than 97% of homes in Lake County

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
$425K$4.5M

This home is worth more than 67% 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$1,475,424
CheaperTypical $1,163,529Pricier

Pricier than 67% of homes nearby

Price per ft²$336
CheaperTypical $376Pricier

Pricier than 28% of homes nearby

Living area4,388 ft²
SmallerTypical 3,198 ft²Bigger

Bigger than 76% of homes nearby

Lot size1.68 ac
SmallerTypical 0.53 acBigger

Bigger than 91% of homes nearby

Year built1921
OlderTypical 1974Newer

Newer than 7% of homes nearby

How 865 S Ridge Rd ranks against every home in each area.
MeasureThis homeLake Forest 60045Lake County
Estimated valuepricier than$1,475,42467% of homes98% of homes
Price per ft²pricier than$33628% of homes89% of homes
Living areabigger than4,388 ft²76% of homes96% of homes
Lot sizebigger than1.68 ac91% of homes96% of homes
Year builtnewer than19217% of homes3% of homes

About 865 S Ridge Rd

How much is 865 S Ridge Rd, Lake Forest, IL worth?

The TopHap Estimate for 865 S Ridge Rd, Lake Forest, IL is $1,475,424 as of Jul 14, 2026. The likely range is $1,357,750 to $1,593,098. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 865 S Ridge Rd, Lake Forest, IL?

865 S Ridge Rd, Lake Forest, IL has 5 bedrooms, 7 bathrooms, 4,388 square feet of living space and a 1.68-acre lot.

When was 865 S Ridge Rd, Lake Forest, IL built?

865 S Ridge Rd, Lake Forest, IL was built in 1921, making it 105 years old. It is a conventional home. The building has 2 stories.

What schools serve 865 S Ridge Rd, Lake Forest, IL?

865 S Ridge Rd, 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 865 S Ridge Rd, Lake Forest, IL compare to other homes in Lake Forest 60045?

Among the 7,551 homes in Lake Forest 60045, it is worth more than 67% of them ($1,475,424 against a typical $1,163,529), its price per square foot is higher than 28% of them ($336 against a typical $376), it is bigger than 76% of them (4,388 ft² against a typical 3,198 ft²), its lot is bigger than 91% of them (1.68 ac against a typical 0.53 ac) and it is newer than 7% of them (1921 against a typical 1974). Measured against all of Lake County, it is worth more than 98% of 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 865 S Ridge Rd, Lake Forest, IL?

The 2024 property tax bill for 865 S Ridge Rd, Lake Forest, IL was $22,369. The county assessed it at $433,290.

Closest homes

More homes in Lake Forest 60045

Assigned schools

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