10440 N River Rd, Algonquin, IL 60102 Property Records

McHenry County property record for 10440 N River Rd, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,027 sqft · built 1999
Lot Size	1.09 acres (47,660 sqft)
Owner	Company Name on File
Last Sale	$800,000 (Sep 2025)
Tax Bill	$16,949 (2024)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-251-024`

Property Details

APN / Parcel Number

Primary APN	`19-26-251-024`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,027 sqft
Gross Area	4,477 sqft
1st Floor Area	1,463 sqft
2nd Floor Area	1,564 sqft

Exterior

Year Built	Built 1999
Lot Area	47,660 sqft (1.09 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	10440 N RIVER RD
City	ALGONQUIN
State	IL
Zip	60102-9675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 1999R0071465 LT 1 CEDAR COVE SUB MEMO: HELWIG, JEFFREY B/ BALLARD, RENA A
Legal Range	08E
Legal Township	43N
Legal Section	26
Legal Subdivision	CEDAR COVE SUB
Legal Block	251
Legal Lot Number	1
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4018
Census Tract	871600

Owner

Source: McHenry County records · APN 19-26-251-024

Assessment roll updated January 1, 2024 · Last verified October 2025

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

Owner of Record	Company Name on File
Co-owner	2 Verified Secondary Owners
Mailing Address	35 W WACKER DR, CHICAGO, IL 60601-1723
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 08, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Sep 29, 2025	Warranty Deed, Transfer · Conventional Mortgage NICOLET NATIONAL BANK
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Sep 29, 2025 · Amount on Record
Deed Sale	Sep 29, 2025 · Amount on Record
Prior Sale	Mar 15, 1999
Deed Document Number	2025R0026554
Record Updated	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	10440 N RIVER RD, ALGONQUIN, IL 60102-9675
Transaction Type	Mortgage
Record Updated	Oct 14, 2025
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10440 N RIVER RD, ALGONQUIN, IL 60102-9675

Mortgage

Document Number	0000013020
Date	Apr 08, 2022
Instrument	2022R0013020

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 29, 2025
Property Address	10440 N RIVER RD, ALGONQUIN, IL 60102-9675
Document Number	0000026554
Map Reference	DOC 91R012691
Instrument Date	Sep 02, 2025
Instrument	2025R0026554
Transaction Type	Transfer
Record Updated	Oct 14, 2025
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10440 N RIVER RD, ALGONQUIN, IL 60102-9675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 W WACKER DR # 11TH, CHICAGO, IL 60601-1723

Mortgage

Document Number	0000026555
Date	Sep 29, 2025
Instrument	2025R0026555

Lender

Name	NICOLET NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 01, 2032
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	12.5%
Index	1-Year CMT
Max Rate	12.5%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	10440 N RIVER RD, ALGONQUIN, IL 60102-9675
Document Number	0000012281
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10440 N RIVER RD ALGONQUIN IL 601029675, ALGONQUIN, IL 60102-9675

Mortgage

Document Number	0000012281
Date	Apr 08, 2020
Instrument	12281

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 07, 2035

Interest

Rate	3%

Tax Assessment & Valuation

Source: McHenry County records · Assessment roll updated January 1, 2024 · Last verified October 2025

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Barrington Hills Village
County	McHenry County
County Subdivision	Algonquin Township
Unified School District	Community Unit School District 300 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$16,949.00 Homeowner's exemption	$215,154 (+18.72%) Land $50,327 Building $164,827	$645,462 (+18.72%) Land $150,981 Building $494,481
2022	Homeowner's exemption	$181,235 Land $44,915 Building $136,320	$543,705 Land $134,745 Building $408,960

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 28, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	4 (1979–1987)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 1987 · alluvial fan flooding

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 61% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: AT&T.

Based on FCC filings for 40 locations within half a mile of this property.

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