105 N Division St, Harvard, IL 60033 Property Records

McHenry County property record for 105 N Division St, Harvard, IL 60033

Property Summary

Property Type	Single Family Home
Lot Size	0.197 acres (8,605 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-35-476-003`

Property Details

APN / Parcel Number

Primary APN	`01-35-476-003`

Exterior

Lot Area	8,605 sqft

Location & Zoning

Street Address	105 N DIVISION ST
City	HARVARD
State	IL
Zip	60033-3009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 1990R0012401 LT 6 BLK 7 HARTS 1ST ADDN CITY OF HARVARD MEMO: FICK, HERBERT G/ SCHETGEN ROSE L
Legal Range	05E
Legal Township	46N
Legal Section	35
Legal Subdivision	HARTS 1ST ADD
Legal Block	7
Legal Lot Number	6
Jurisdiction	MCHENRY IL
Township / Civil Division	CHEMUNG
Census Block Group	1
Census Block	1025
Census Tract	870302

Owner

105 N Division St is owned and occupied by an individual who acquired it in April 1990.

Source: McHenry County records, as of May 13, 2024

Owner of Record	Individual Name on File
Mailing Address	105 N DIVISION ST, HARVARD, IL 60033-3009
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 1990
Deed Sale	Apr 9, 1990
Record Updated	Jun 7, 2026

June 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 9, 2017
Property Address	105 N DIVISION ST, HARVARD, IL 60033-3009
Document Number	0000020884
Instrument Date	May 23, 2017
Instrument	20884
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 23, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 E THOMPSON ST HARVARD IL 600332944, HARVARD, IL 60033-2944

Mortgage

Document Number	20885
Date	Jun 9, 2017
Instrument	20885

Lender

Name	HABITAT FOR HUMANITY/MCHENRY C
Address	5141 W BULL VALLEY RD, MCHENRY, IL 60051

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2047

Mortgage

Document Number	20886,
Date	Jun 9, 2017
Instrument	20886

Lender

Name	COMMUNITY DEV CORP
Type	Construction/Development Company
Address	CHICAGO, IL 60601

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Chemung Township
Municipality	Harvard City
Unified School District	Harvard Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$35,301 Land $11,670 Building $23,631	$105,903 Land $35,010 Building $70,893

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

Flood

FEMA maps place 105 N Division St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

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	3 in force
Nearby Flood Claims	3 (2003–2013)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims

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

Wildfire risk around 105 N Division St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · above 42% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	HARVARD serves 9,469 people · EPA ID IL1110250
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	7 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 476 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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