10909 Payne Rd, Marengo, IL 60152 Property Records

McHenry County property record for 10909 Payne Rd, Marengo, IL 60152

Property Summary

Property Type	Single Family Home
Details	1,952 sqft · built 1900
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Nov 2019)
Tax Bill	$7,322 (2024)
Deeds & Mortgages	May 2022 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-28-400-004`

Property Details

APN / Parcel Number

Primary APN	`16-28-400-004`

Interior

Stories	2 Stories
Building Area	1,952 sqft Living Area
Gross Area	3,880 sqft
Basement Area	1,568 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	871,200 sqft (20 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	10909 PAYNE RD
City	MARENGO
State	IL
Zip	60152-9392
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2022R0019071 E1/2 SE1/4 SE1/4
Legal Block	400
Jurisdiction	MCHENRY IL
Township / Civil Division	RILEY
Census Block Group	2
Census Block	2064
Census Tract	871004

Owner

Source: McHenry County assessment roll, as of March 27, 2026

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

Owner of Record	Individual Name on File
Mailing Address	10909 PAYNE RD, MARENGO, IL 60152-9392
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Quit Claim Deed, Transfer · Conventional Mortgage SOLUTIONS FINANCIAL MORTGAGE COMPAN
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage BJV FINANCIAL SERVICES INC
Nov 14, 2019	Deed, Transfer · Conventional Mortgage RJV FINANCIAL SERVICES INC
Nov 6, 2019	Deed of Trust, Mortgage FORUM MTG BANCORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 14, 2019 · Amount on Record
Deed Sale	Nov 14, 2019 · Amount on Record
Deed Document Number	201939093
Last Transfer Date	May 11, 2022
Transfer Doc	0000019071
Record Updated	Sep 20, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	May 27, 2022
Property Address	10909 PAYNE RD, MARENGO, IL 60152-9392
Document Number	0000019071
Instrument Date	May 11, 2022
Instrument	2022R0019071
Transaction Type	Transfer
Record Updated	Jun 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10909 PAYNE RD, MARENGO, IL 60152-9392

Mortgage

Document Number	0000019072
Date	May 27, 2022
Instrument	2022R0019072

Lender

Name	SOLUTIONS FINANCIAL MORTGAGE COMPAN
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.87%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	10909 PAYNE RD, MARENGO, IL 60152-9392
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023640
Date	Apr 30, 2021
Instrument	2021R0023640

Lender

Name	BJV FINANCIAL SERVICES INC
Type	Mortgage Company
Address	CHICAGO, IL 60631

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate	3.5%

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 14, 2019
Property Address	10909 PAYNE RD, MARENGO, IL 60152-9392
Document Number	0000039093
Instrument Date	Nov 6, 2019
Instrument	2019R0039093
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	NLT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10909 PAYNE RD, MARENGO, IL 60152-9392

Mortgage

Document Number	0000039094
Date	Nov 14, 2019
Instrument	2019R0039094

Lender

Name	RJV FINANCIAL SERVICES INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate	4.25%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	10909 PAYNE RD, MARENGO, IL 60152-9392
Document Number	0000039094
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NLT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10909 PAYNE RD MARENGO IL 601529392, MARENGO, IL 60152-9392

Mortgage

Document Number	0000039094
Date	Nov 14, 2019
Instrument	39094

Lender

Name	FORUM MTG BANCORP
Type	Bank
Address	CHICAGO, IL 60631

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2049

Interest

Rate	4.25%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Riley Township
Secondary School District	Marengo Community High School District 154 (09 - 12)
Elementary School District	Riley Community Consolidated School District 18 (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$7,322.00	$145,386 (+20.68%) Land $22,982 Building $122,404	$436,158 (+20.68%) Land $68,946 Building $367,212
2022	Homeowner's exemption	$120,473 Land $19,485 Building $100,988	$361,419 Land $58,455 Building $302,964

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

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	Not rated no burnable land within ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20
JAB Wireless Fixed Wireless	50 / 10
Opiquad Fixed Wireless	40 / 10
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3

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