10109 N Clark Rd, Spring Grove, IL 60081 Property Records

McHenry County property record for 10109 N Clark Rd, Spring Grove, IL 60081

Property Summary

Property Type	Single Family Home
Lot Size	3.3 acres (143,748 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Jan 2026 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-11-451-017`

Property Details

APN / Parcel Number

Primary APN	`04-11-451-017`

Exterior

Lot Area	143,748 sqft (3.3 acres)
Lot Dimensions	400 ft deep x 350 ft wide

Location & Zoning

Street Address	10109 N CLARK RD
City	SPRING GROVE
State	IL
Zip	60081
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2018R0026472 LTS 88, 88A, 88B FOREST RIDGE SUB PHASE 1 MEMO: SMITH, BRIAN M/ PUGLIESE-SMITH, TRACI
Legal Subdivision	FOREST RIDGE
Legal Phase	1
Legal Lot Number	88A
Jurisdiction	MCHENRY IL
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2002
Census Tract	870104

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	10109 N CLARK RD, SPRING GROVE, IL 60081
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Apr 1, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 16, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2018
Deed Sale	Aug 3, 2018
Deed Document Number	2018R0026472
Record Updated	Jun 7, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	10109 N CLARK RD, SPRING GROVE, IL 60081
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10109 N CLARK RD, RICHMOND, IL 60071-9711
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002269
Date	Jan 26, 2026
Instrument	2026R0002269

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 21, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	10109 N CLARK RD, SPRING GROVE, IL 60081
Transaction Type	Mortgage
Record Updated	Apr 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017929
Date	Apr 1, 2021
Instrument	2021R0017929

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	10759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate	2.25%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	10109 N CLARK RD, SPRING GROVE, IL 60081
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035541
Date	Oct 16, 2018
Instrument	2018R0035541

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Richmond Township
Municipality	Spring Grove Village
Elementary School District	Nippersink School District 2 (KG - 08)
Secondary School District	Richmond-Burton Community High School District 157 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$194,483 Land $24,749 Building $169,734	$583,449 Land $74,247 Building $509,202

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Clark Rd

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