10979 Ernest Dr, Marengo, IL 60152 Property Records

McHenry County property record for 10979 Ernest Dr, Marengo, IL 60152

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,578 sqft · built 1990
Lot Size	1.43 acres (62,290 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Apr 2026)
Tax Bill	$6,597 (2024)
Deeds & Mortgages	Feb 2025 Line of Credit Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-29-353-018`

Property Details

APN / Parcel Number

Primary APN	`17-29-353-018`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,578 sqft Living Area
Gross Area	5,050 sqft
1st Floor Area	1,597 sqft
Basement Area	1,581 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Concrete
Construction Type	Frame
Lot Area	62,290 sqft (1.43 acres)
Garage Type	Attached
Garage Area	828 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Deck Area	546 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	10979 ERNEST DR
City	MARENGO
State	IL
Zip	60152-9162
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2023R0002682 LT 83 & S 40FT W 111FT LT 84 HARMONY HILLS ESTATES UNIT 4
Legal Subdivision	HARMONY HILLS ESTATES
Legal Block	353
Legal Lot Number	83,84
Legal Unit	4
Jurisdiction	MCHENRY IL
Township / Civil Division	CORAL
Census Block Group	1
Census Block	1019
Census Tract	871501

Owner

10979 Ernest Dr is owned by two individuals who bought it in April 2026.

Source: McHenry County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2800 E BRIDLEWAY CT, CARPENTERSVILLE, IL 60110-3367
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Feb 5, 2025	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK SHANNON-POLO
Apr 21, 2026	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Feb 6, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on File
Deed Sale	Apr 21, 2026 · Amount on File
Prior Sale	Apr 2, 2025 · Amount on File
Deed Document Number	202610698
Prior Transfer Date	Jan 31, 2023
Prior Transfer Doc	0000002682
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	10979 ERNEST DR, MARENGO, IL 60152-9162
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	SECURITY TITLE COMPANY, SECURITY FIRST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003041
Date	Feb 5, 2025
Instrument	2025R0003041

Lender

Name	FIRST STATE BANK SHANNON-POLO
Type	Bank
Address	SHANNON, IL 61078

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	62 Months
Due	Apr 11, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 21, 2026
Property Address	10979 ERNEST DR, MARENGO, IL 60152-9162
Document Number	0000010698
Instrument Date	Mar 23, 2026
Instrument	202610698
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80,295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2800 E BRIDLEWAY CT, CARPENTERSVILLE, IL 60110-3367

Mortgage

Document Number	0000010699,
Date	Apr 21, 2026
Instrument	202610699

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.99%
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Feb 6, 2023
Property Address	10979 ERNEST DR, MARENGO, IL 60152-9162
Document Number	0000002682
Map Reference	DOC 753926
Instrument Date	Jan 31, 2023
Instrument	2023R0002682
Transaction Type	Transfer
Record Updated	Feb 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10979 ERNEST DR, MARENGO, IL 60152-9162

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Coral 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	$6,597.00	$136,964 Land $19,378 Building $117,586	$410,892 Land $58,134 Building $352,758
2022	Homeowner's exemption	$119,548 Land $22,999 Building $96,549	$358,644 Land $68,997 Building $289,647

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

FEMA maps place 10979 Ernest Dr in Zone X, an area of minimal flood risk.

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	4 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

Wildfire risk around 10979 Ernest 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 96% of the US · lower than 74% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Fox Valley Internet Fixed Wireless	40 / 10
Verizon Fixed Wireless	25 / 6
Rise Broadband Fixed Wireless	25 / 5

May also be available: AT&T, T-Mobile, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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