10450 N River Rd, Algonquin, IL 60102 Property Records

McHenry County property record for 10450 N River Rd, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,308 sqft · built 2000
Lot Size	1.29 acres (56,476 sqft)
Owner	Individual Name on Record
Last Sale	$799,000 (Jun 2021)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-251-025`

Property Details

APN / Parcel Number

Primary APN	`19-26-251-025`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,308 sqft
Gross Area	4,991 sqft
1st Floor Area	1,720 sqft
2nd Floor Area	1,588 sqft

Exterior

Year Built	Built 2000
Lot Area	56,476 sqft (1.29 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	10450 N RIVER RD
City	ALGONQUIN
State	IL
Zip	60102-9675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0031169 LT 2 CEDAR COVE SUB
Legal Range	08E
Legal Township	43N
Legal Section	26
Legal Subdivision	CEDAR COVE
Legal Block	251
Legal Lot Number	2
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4018
Census Tract	871600

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
Co-owner	Co-owner on Record
Mailing Address	10450 N RIVER RD, ALGONQUIN, IL 60102-9675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · Unknown MICHIGAN STATE UNIVERSITY FCU
Jun 9, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
May 24, 2017	Deed of Trust, Mortgage · ARM BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2021 · Amount on Record
Deed Sale	Jun 9, 2021 · Amount on Record
Prior Sale	Feb 4, 2013
Deed Document Number	0000031169
Record Updated	Jun 7, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	10450 N RIVER RD, ALGONQUIN, IL 60102-9675
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032775
Date	Nov 20, 2025
Instrument	2025R0032775

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	EAST LANSING, MI 48823

Agreement

Type	Unknown
Amount	Amount Recorded
Term	300 Months
Due	Nov 14, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 9, 2021
Property Address	10450 N RIVER RD, ALGONQUIN, IL 60102-9675
Document Number	0000031169
Map Reference	DOC 91R012691
Instrument Date	May 3, 2021
Instrument	2021R0031169
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$799.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10450 N RIVER RD, 10450, ALGONQUIN, IL 60102-9675

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10450 N RIVER RD, ALGONQUIN, IL 60102-9675

Mortgage

Document Number	0000031170
Date	Jun 9, 2021
Instrument	2021R0031170

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	10450 N RIVER RD, ALGONQUIN, IL 60102-9675
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018648
Date	May 24, 2017
Instrument	2017R0018648

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption Additional exemption filed	$203,533 Land $51,179 Building $152,354	$610,599 Land $153,537 Building $457,062

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 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

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 61% 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 40 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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