McHenry County property record for 10103 Fair Ln, Union, IL 60180
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,434 sqft · built 2000 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | Trust Name on File |
| Last Sale | $410,000 (Feb 2005) |
| Deeds & Mortgages | Sep 2022 Line of Credit Jan 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-23-377-009 |
| Primary APN | 17-23-377-009 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,434 sqft Living Area |
| Basement Area | 2,412 sqft |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Concrete |
| Lot Area | 50,094 sqft (1.15 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 10103 FAIR LN |
|---|---|
| City | UNION |
| State | IL |
| Zip | 60180-9668 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2016R0011002 LT 92 KNOLL TOP SUB UNIT 6 MEMO: THOMAS, BRYAN J 2015 DECL OF TR 50% INT/ THOMAS, MICHELLE L 2015 DECL OF TR |
| Legal Range | 06E |
| Legal Township | 43N |
| Legal Section | 23 |
| Legal Subdivision | KNOLL TOP |
| Legal Tract | 50 |
| Legal Block | 377 |
| Legal Lot Number | 92 |
| Legal Unit | 6 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | CORAL |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 871501 |
10103 Fair Ln is owner-occupied and held in a trust since April 2016.
Source: McHenry County records, as of May 13, 2024
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 10103 FAIR LN, UNION, IL 60180-9668 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
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 |
|---|---|
| Sep 1, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Jan 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Oct 10, 2017 | Deed of Trust, Mortgage · ARM BUSEY BANK |
| Aug 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK |
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 14, 2005 · Amount on File |
| Deed Sale | Feb 14, 2005 · Amount on File |
| Prior Sale | Feb 14, 2005 · Amount on File |
| Deed Document Number | 0000011064 |
| Last Transfer Date | Apr 6, 2016 |
| Transfer Doc | 0000011002 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 10103 FAIR LN, UNION, IL 60180-9668 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10103 FAIR LN, UNION, IL 60180-9668 |
| Document Number | 0000030590 |
|---|---|
| Date | Sep 1, 2022 |
| Instrument | 2022R0030590 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Jun 25, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 10103 FAIR LN, UNION, IL 60180-9668 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2021 |
| Title Company | CARRINGTON TTL PARTNERS LLC |
| Name | Verified Name |
|---|
| Document Number | 0000004037 |
|---|---|
| Date | Jan 22, 2021 |
| Instrument | 2021R0004037 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 10103 FAIR LN, UNION, IL 60180-9668 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000037412 |
|---|---|
| Date | Oct 10, 2017 |
| Instrument | 2017R0037412 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Address | CHAMPAIGN, IL 61820 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Type Change Date | Oct 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.99% |
| Index | 1-Year LIBOR |
| Max Rate | 8.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 10103 FAIR LN, UNION, IL 60180-9668 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CARRINGTON TTL PARTNERS LLC |
| Name | Verified Name |
|---|
| Document Number | 0000026132 |
|---|---|
| Date | Aug 15, 2019 |
| Instrument | 2019R0026132 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Address | CHAMPAIGN, IL 61820 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 10103 FAIR LN, UNION, IL 60180-9668 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CARRINGTON TTL PARTNERS LLC |
| Name | Verified Name |
|---|
| Document Number | 0000014408 |
|---|---|
| Date | Apr 24, 2020 |
| Instrument | 2020R0014408 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Address | CHAMPAIGN, IL 61820 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
Source: McHenry County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Coral Township |
| Unified School District | Huntley Consolidated School District 158 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $134,880 Land $22,117 Building $112,763 | $404,640 Land $66,351 Building $338,289 |
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 10103 Fair Ln in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 4 in force |
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 10103 Fair Ln 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 98% of the US · lower than 86% 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.
Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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