1005 S River Rd, McHenry, IL 60051 Property Records

McHenry County property record for 1005 S River Rd, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,665 sqft · built 1968
Lot Size	1.75 acres (76,230 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Jul 2019)
Deeds & Mortgages	Oct 2025 Second Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-01-452-012`

Property Details

APN / Parcel Number

Primary APN	`14-01-452-012`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	4 Half Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,665 sqft Living Area
Gross Area	3,330 sqft
Basement Area	1,665 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Raised
Lot Area	76,230 sqft (1.75 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1005 S RIVER RD
City	MCHENRY
State	IL
Zip	60051-9258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0023700 PT SW1/4 SE1/4
Legal Range	08E
Legal Township	44N
Legal Section	01
Legal Block	452
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	1
Census Block	1047
Census Tract	870811

Owner

Source: McHenry County records, as of May 13, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1005 S RIVER RD, MCHENRY, IL 60051-9258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CONSUMERS CU
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP
Jul 30, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2019 · Amount on Record
Deed Sale	Jul 30, 2019 · Amount on Record
Deed Document Number	2019R0023700
Record Updated	Jun 7, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1005 S RIVER RD, MCHENRY, IL 60051-9258
Transaction Type	Mortgage
Record Updated	Nov 7, 2025
Title Company	AMERICAN NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027104
Date	Oct 2, 2025
Instrument	2025R0027104

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	LAKE FOREST, IL 60045

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2040

Interest

Rate Type	Fixed Rate
Rate	7.75%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1005 S RIVER RD, MCHENRY, IL 60051-9258
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	PRECISION TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006235
Date	Feb 2, 2021
Instrument	2021R0006235

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company
Address	PALATINE, IL 60074

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jul 30, 2019
Property Address	1005 S RIVER RD, MCHENRY, IL 60051-9258
Document Number	0000023700
Instrument Date	Jun 28, 2019
Instrument	2019R0023700
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1005 S RIVER RD, 1005, MCHENRY, IL 60051-9258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 S RIVER RD, MCHENRY, IL 60051-9258

Mortgage

Document Number	0000023702
Date	Jul 30, 2019
Instrument	2019R0023702

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2022

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Nunda Township
Elementary School District	McHenry Community Consolidated School District 15 (PK - 08)
Secondary School District	McHenry Community High School District 156 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$95,608 Land $26,042 Building $69,566	$286,824 Land $78,126 Building $208,698

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.

Flood

Source: FEMA National Flood Hazard Layer, effective February 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	53 (1978–2026)
Claims Outside the SFHA	4 of 53
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 9 claims Severe Storms & Flooding, Jun 1993 · 10 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 98.5% of Illinois
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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