1097 Black Cherry Dr, Crystal Lake, IL 60012 Property Records

McHenry County property record for 1097 Black Cherry Dr, Crystal Lake, IL 60012

Property Summary

Property Type	Single Family Home
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$328,500 (Jun 2022)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-27-486-008`

Property Details

APN / Parcel Number

Primary APN	`14-27-486-008`

Exterior

Lot Area	6,970 sqft (0.16 acres)

Location & Zoning

Street Address	1097 BLACK CHERRY DR
City	CRYSTAL LAKE
State	IL
Zip	60012-3812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2022R0020852 LT 421 WOODLORE ESTATES SUB
Legal Subdivision	WOODLORE ESTATES
Legal Lot Number	421
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	3
Census Block	3010
Census Tract	870809

Owner

1097 Black Cherry Dr is owned by an individual who bought it in June 2022.

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

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

Owner of Record	Individual Name on File
Mailing Address	1097 BLACK CHERRY DR, CRYSTAL LAKE, IL 60012-3812
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2022 · Amount on File
Deed Sale	Jun 10, 2022 · Amount on File
Deed Document Number	2022R0020852
Record Updated	Jun 7, 2026

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 10, 2022
Property Address	1097 BLACK CHERRY DR, CRYSTAL LAKE, IL 60012-3812
Document Number	0000020852
Map Reference	DOC 87R004175
Instrument Date	May 27, 2022
Instrument	2022R0020852
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1700 E GOLF RD, SCHAUMBURG, IL 60173-5804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2811 GRANITE CT, CRYSTAL LAKE, IL 60012-2609

Mortgage

Document Number	0000020853
Date	Jun 10, 2022
Instrument	2022R0020853

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.87%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Nunda Township
Municipality	Crystal Lake City
Secondary School District	Community High School District 155 (09 - 12)
Elementary School District	Prairie Grove Community School District 46 (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$40,138 Land $11,393 Building $28,745	$120,414 Land $34,179 Building $86,235

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1097 Black Cherry Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 28, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1097 Black Cherry Dr 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 98% of the US · lower than 86% 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	CRYSTAL LAKE serves 40,661 people · EPA ID IL1110150
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20