10803 Lawrence Rd, Harvard, IL 60033 Property Records

McHenry County property record for 10803 Lawrence Rd, Harvard, IL 60033

Property Summary

Property Type	Rural Home
Lot Size	2.19 acres (95,396 sqft)
Owner	Owner Name on File
Deeds & Mortgages	Aug 2026 Line of Credit Jun 2026 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-08-100-005`

Property Details

APN / Parcel Number

Primary APN	`01-08-100-005`

Exterior

Lot Area	95,396 sqft (2.19 acres)

Location & Zoning

Street Address	10803 LAWRENCE RD
City	HARVARD
State	IL
Zip	60033-8835
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DOC 2004R0087930 S1/2 NW1/4 /EX DOC 89R033052 & EX N 165FT W132FT/ MEMO: SMITH, DONALD R 2004 TR 1/2 INT/ SMITH, SUSAN R 2004
Legal Range	05E
Legal Township	46N
Legal Section	08
Legal Tract	1
Legal Block	100
Jurisdiction	MCHENRY IL
Township / Civil Division	CHEMUNG
Census Block Group	1
Census Block	1005
Census Tract	870301

Owner

The current owner of 10803 Lawrence Rd acquired it in September 2004.

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

Owner of Record	Owner Name on File
Mailing Address	8605 NILSEN CT, HARVARD, IL 60033-8877

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

Date	Document
Aug 18, 2026	Deed of Trust, Mortgage · Line of Credit VALLEY BANK AND TRUST COMPANY
Jun 15, 2026	Deed of Trust, Mortgage · Reverse Mortgage NONE LISTED ON DOCUMENT
Feb 20, 2024	Deed of Trust, Mortgage · Line of Credit SAUK VALLEY BANK & TRUST COMPANY
Mar 16, 2021	Deed of Trust, Mortgage · Line of Credit SAUK VALLEY BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 30, 2004
Transfer Doc	0000087930
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Recording Date	Aug 18, 2026
Property Address	10803 LAWRENCE RD, HARVARD, IL 60033-8835
Document Number	0000024025
Instrument Date	Aug 18, 2026
Instrument	202624025
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	8605 NILSEN CT, HARVARD, IL 60033-8877

Mortgage

Document Number	0000024025,
Date	Aug 18, 2026
Instrument	202624025

Lender

Name	VALLEY BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Jun 11, 2051

Interest

Rate	4.13%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Recording Date	Jun 15, 2026
Property Address	10803 LAWRENCE RD, HARVARD, IL 60033-8835
Document Number	0000016758
Instrument Date	Jun 11, 2026
Instrument	202616758
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	8605 NILSEN CT, HARVARD, IL 60033-8877

Mortgage

Document Number	0000016758,
Date	Jun 15, 2026
Instrument	202616758

Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jun 11, 2051

Interest

Rate	4.13%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	10803 LAWRENCE RD, HARVARD, IL 60033-8835
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003694
Date	Feb 20, 2024
Instrument	2024R0003694

Lender

Name	SAUK VALLEY BANK & TRUST COMPANY
Type	Bank
Address	HARVARD, IL 60033

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	37 Months
Due	Mar 15, 2027

Interest

Rate	7.2%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	10803 LAWRENCE RD, HARVARD, IL 60033-8835
Transaction Type	Mortgage
Record Updated	Mar 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014115
Date	Mar 16, 2021
Instrument	2021R0014115

Lender

Name	SAUK VALLEY BANK & TRUST COMPANY
Type	Bank
Address	HARVARD, IL 60033

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2041

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
Unified School District	Harvard Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2022	$39,946 Land $10,974 Building $28,972	$119,838 Land $32,922 Building $86,916

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

Flood

FEMA maps place 10803 Lawrence Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Feb 1985 · tidal / storm surge

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 10803 Lawrence Rd 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 99.1% of the US · lower than 94% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Rise Broadband Fixed Wireless	50 / 10
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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