1013 N River Rd, McHenry, IL 60051 Property Records

McHenry County property record for 1013 N River Rd, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,698 sqft · built 1921
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Aug 2021)
Tax Bill	$10,305 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-36-108-003`

Property Details

APN / Parcel Number

Primary APN	`09-36-108-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,698 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	210 ft deep x 50 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	60 sqft
Deck Area	446 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1013 N RIVER RD
City	MCHENRY
State	IL
Zip	60051-5856
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0047097 LT 8 SUNNYSIDE SUB
Legal Subdivision	SUNNYSIDE SUB
Legal Block	108
Legal Lot Number	8
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	3
Census Block	3030
Census Tract	870702

Owner

Source: McHenry County records, as of April 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1013 N RIVER RD, MCHENRY, IL 60051-5856
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Deed of Trust, Mortgage · Line of Credit LAFAYETTE FEDERAL CREDIT UNION
Aug 27, 2021	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2021 · Amount on Record
Deed Sale	Aug 27, 2021 · Amount on Record
Prior Sale	Sep 6, 2005 · Amount on Record
Deed Document Number	202147097
Prior Transfer Date	Apr 15, 2004
Prior Transfer Doc	0000053898
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Recording Date	Apr 9, 2026
Property Address	1013 N RIVER RD, MCHENRY, IL 60051-5856
Document Number	0000009482
Instrument Date	Mar 20, 2026
Instrument	20269482
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009482,
Date	Apr 9, 2026
Instrument	20269482

Lender

Name	LAFAYETTE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 2056

Interest

Rate	6.01%
Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 27, 2021
Property Address	1013 N RIVER RD, MCHENRY, IL 60051-5856
Document Number	0000047097
Map Reference	DOC 3880 MB 3 PG 34
Instrument Date	Aug 27, 2021
Instrument	2021R0047097
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20200 POPLAR CREEK PKWY # N047, N047, BROOKFIELD, WI 53045-2111

Mortgage

Document Number	0000047098
Date	Aug 27, 2021
Instrument	2021R0047098

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of June 30, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	McHenry 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
2024	$10,305.00	$128,851 (+20.32%) Land $34,735 Building $94,116	$386,553 (+20.32%) Land $104,205 Building $282,348
2022		$107,094 Land $28,870 Building $78,224	$321,282 Land $86,610 Building $234,672

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1986–1996)
Most Recent Claim	Jul 1996 · river or lake flooding

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	Not rated no burnable land within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MCHENRY serves 22,335 people · EPA ID IL1110600
Water Source	Groundwater
Last State Inspection	May 2023
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	23 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: i3 Broadband.

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