1103 N River Rd, McHenry, IL 60051 Property Records

McHenry County property record for 1103 N River Rd, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	2 ba · 904 sqft · built 1930
Lot Size	0.2 acres (8,712 sqft)
Owner	Trust Name on File
Last Sale	$390,000 (May 2025)
Tax Bill	$7,685 (2024)
Deeds & Mortgages	Oct 2025 Transfer Apr 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-35-227-004`

Property Details

APN / Parcel Number

Primary APN	`09-35-227-004`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	904 sqft Living Area
Gross Area	1,776 sqft
1st Floor Area	888 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,712 sqft (0.2 acres)
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	160 sqft
Deck Area	472 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1103 N RIVER RD
City	MCHENRY
State	IL
Zip	60051-5858
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2022R0015347 PT LT 1 SUNNYSIDE SUB
Legal Range	08E
Legal Township	45N
Legal Section	35
Legal Subdivision	SUNNYSIDE SUB
Legal Block	227
Legal Lot Number	1
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	3
Census Block	3030
Census Tract	870702

Owner

1103 N River Rd is owner-occupied and held in a trust since October 2025.

Source: McHenry County records, as of October 21, 2025

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	1103 N RIVER RD, MCHENRY, IL 60051-5858
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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
Oct 3, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 27, 2022	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Oct 6, 2017	Deed of Trust, Mortgage · Line of Credit CENTRUST BK NA
Jun 13, 2017	Grant Deed SATURN TITLE LLC
Apr 5, 2017	Grant Deed, Transfer SATURN TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2025 · Amount on File
Deed Sale	May 21, 2025 · Amount on File
Prior Sale	May 21, 2025 · Amount on File
Deed Document Number	0000012896
Last Transfer Date	Oct 3, 2025
Transfer Doc	0000027346
Record Updated	Jun 8, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Oct 3, 2025
Property Address	1103 N RIVER RD, MCHENRY, IL 60051-5858
Document Number	0000027346
Map Reference	DOC 13880
Instrument Date	Oct 2, 2025
Instrument	2025R0027346
Transaction Type	Transfer
Record Updated	Oct 22, 2025
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
Relationship	Family Revocable Trust
Address	1103 N RIVER RD, MCHENRY, IL 60051-5858

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 27, 2022
Property Address	1103 N RIVER RD, MCHENRY, IL 60051-5858
Document Number	0000015347
Map Reference	DOC13880MB3PG34
Instrument Date	Apr 19, 2022
Instrument	2022R0015347
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 N RIVER RD, MCHENRY, IL 60051-5858

Mortgage

Document Number	0000015348
Date	Apr 27, 2022
Instrument	2022R0015348

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1103 N RIVER RD, MCHENRY, IL 60051-5858
Document Number	0000045512
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 30, 2018
Title Company	PRECISION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 N RIVER RD MCHENRY IL 600515858, MCHENRY, IL 60051-5858

Mortgage

Document Number	0000045512
Date	Dec 8, 2017
Instrument	45512

Lender

Name	CENTRUST BK NA
Type	Bank
Address	NORTHBROOK, IL 60062

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2017: Grant Deed

Document Type	Grant Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 13, 2017
Property Address	1103 N RIVER RD, MCHENRY, IL 60051-5858
Document Number	0000021275
Instrument Date	Mar 28, 2017
Instrument	21275
Record Updated	Jun 22, 2017
Title Company	SATURN TITLE LLC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7809 W FARRAGUT AVE CHICAGO IL 606561627, CHICAGO, IL 60656-1627

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 5, 2017
Property Address	1103 N RIVER RD, MCHENRY, IL 60051-5858
Document Number	0000011906
Instrument Date	Mar 28, 2017
Instrument	11906
Transaction Type	Transfer
Record Updated	Jun 9, 2017
Title Company	SATURN TITLE LLC

Transaction

Amount	Amount on Record
Tax	$105.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7809 W FARRAGUT AVE CHICAGO IL 606561627, CHICAGO, IL 60656-1627

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2024

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	McHenry Township
Municipality	McHenry City
Elementary School District	McHenry Community Consolidated School District 15 (PK - 08)
Secondary School District	McHenry Community High School District 156 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$7,685.00	$96,094 Land $28,136 Building $67,958	$288,282 Land $84,408 Building $203,874
2022		$79,868 Land $23,385 Building $56,483	$239,604 Land $70,155 Building $169,449

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 1103 N River Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1986–1996)
Most Recent Claim	Jul 1996 · river or lake flooding

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

The area around 1103 N River Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	MCHENRY serves 22,335 people · EPA ID IL1110600
Water Source	Groundwater
Last State Inspection	May 2023
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	23 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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: i3 Broadband.

Nearby Properties on N River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures