10470 N River Rd, Algonquin, IL 60102 Property Records

McHenry County property record for 10470 N River Rd, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,374 sqft · built 2002
Lot Size	1.23 acres (53,816 sqft)
Owner	Individual Name on Record
Last Sale	$1,300,000 (Oct 2025)
Tax Bill	$24,273 (2024)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Apr 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-251-027`

Property Details

APN / Parcel Number

Primary APN	`19-26-251-027`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,374 sqft
1st Floor Area	2,314 sqft
2nd Floor Area	2,060 sqft

Exterior

Year Built	Built 2002
Architectural Style	Colonial
Exterior Material	Brick Veneer
Lot Area	53,816 sqft (1.23 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	10470 N RIVER RD
City	ALGONQUIN
State	IL
Zip	60102-9675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2023R0007916 LT 4 CEDAR COVE SUB MEMO: MAJZNER, MIROSLAW REV LIV TR/ MAJZNER, ANNA REV LIV TR
Legal Range	08E
Legal Township	43N
Legal Section	26
Legal Subdivision	CEDAR COVE SUB
Legal Block	251
Legal Lot Number	4
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4018
Census Tract	871600

Owner

Source: McHenry County records, as of November 13, 2025

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	10470 N RIVER RD, ALGONQUIN, IL 60102-9675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Apr 10, 2023	Intrafamily Transfer, Transfer ATTORNEY
Oct 16, 2019	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on Record
Deed Sale	Oct 31, 2025 · Amount on Record
Prior Sale	Apr 10, 2023
Deed Document Number	2025R0030405
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Oct 31, 2025
Property Address	10470 N RIVER RD, ALGONQUIN, IL 60102-9675
Document Number	0000030405
Map Reference	DOC 91R012691
Instrument Date	Sep 10, 2025
Instrument	2025R0030405
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	PROPER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10470 N RIVER RD, ALGONQUIN, IL 60102-9675

Mortgage

Document Number	0000030406
Date	Oct 31, 2025
Instrument	2025R0030406

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2040

Interest

Rate Type	Fixed Rate
Rate	5.5%

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Apr 10, 2023
Property Address	10470 N RIVER RD, ALGONQUIN, IL 60102-9675
Document Number	0000007916
Map Reference	DOC 91R012691
Instrument Date	Apr 6, 2023
Instrument	2023R0007916
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	10470 N RIVER RD, ALGONQUIN, IL 60102-9675

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	10470 N RIVER RD, ALGONQUIN, IL 60102-9675
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034968
Date	Oct 16, 2019
Instrument	2019R0034968

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.03%
Change Frequency	Monthly

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2024

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
2024	$24,273.00 Homeowner's exemption	$304,666 (+52.96%) Land $50,964 Building $253,702	$913,998 (+52.96%) Land $152,892 Building $761,106
2022	Homeowner's exemption	$199,179 Land $49,736 Building $149,443	$597,537 Land $149,208 Building $448,329

Assessed value is set for property tax purposes, not a market price estimate; it is 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
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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.02% 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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