McHenry County property record for 1107 Joseph Cir, Johnsburg, IL 60051
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 1,887 sqft · built 2001 |
| Lot Size | 0.823 acres (35,866 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $293,000 (Feb 2019) |
| Deeds & Mortgages | Dec 2021 Mortgage Dec 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-06-478-003 |
| Primary APN | 10-06-478-003 |
|---|
| Full Baths | 5 Baths |
|---|---|
| Half Baths | 3 Half Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,887 sqft Living Area |
| Gross Area | 3,774 sqft |
| 1st Floor Area | 1,887 sqft |
| Basement Area | 1,887 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Architectural Style | A-Frame |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 35,866 sqft |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 127 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1107 JOSEPH CIR |
|---|---|
| City | JOHNSBURG |
| State | IL |
| Zip | 60051-8410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2019R0004593 LT 39 COTTON ESTATES SUB |
| Legal Range | 09E |
| Legal Township | 45N |
| Legal Section | 06 |
| Legal Subdivision | COTTON ESTATES |
| Legal Block | 478 |
| Legal Lot Number | 39 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | MCHENRY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 870704 |
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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1107 JOSEPH CIR, JOHNSBURG, IL 60051-8410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 2, 2019 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 19, 2020 | Loan Modification, Mortgage · FHA Mortgage PENNYMAC |
| Feb 20, 2019 | Warranty Deed, Transfer · FHA Mortgage DIAMOND RESIDENTIAL MORTGAGE CORP |
| Dec 21, 2017 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 20, 2019 · Amount on Record |
| Deed Sale | Feb 20, 2019 · Amount on Record |
| Prior Sale | Nov 2, 2001 · Amount on Record |
| Deed Document Number | 2019R0004593 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 1107 JOSEPH CIR, JOHNSBURG, IL 60051-8410 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000066396 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 2021R0066396 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.49% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 1107 JOSEPH CIR, JOHNSBURG, IL 60051-8410 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000041043 |
|---|---|
| Date | Dec 2, 2019 |
| Instrument | 2019R0041043 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 1107 JOSEPH CIR, JOHNSBURG, IL 60051-8410 |
| Document Number | 0000001662 |
| Instrument Date | Nov 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 1107 JOSEPH CIR JOHNSBURG IL 600518410, JOHNSBURG, IL 60051-8410 |
| Document Number | 0000001662 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 1662 |
| Name | PENNYMAC |
|---|---|
| Address | ALPAUGH, CA 93201 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 10, 2051 |
| Rate | 3% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Feb 20, 2019 |
| Property Address | 1107 JOSEPH CIR, JOHNSBURG, IL 60051-8410 |
| Document Number | 0000004593 |
| Map Reference | DOC 95R27935 |
| Instrument Date | Feb 13, 2019 |
| Instrument | 2019R0004593 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | HERITAGE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $439.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1107 JOSEPH CIR, JOHNSBURG, IL 60051-8410 |
| Document Number | 0000004594 |
|---|---|
| Date | Feb 20, 2019 |
| Instrument | 2019R0004594 |
| Name | DIAMOND RESIDENTIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 1107 JOSEPH CIR, JOHNSBURG, IL 60051-8410 |
| Document Number | 0000000224 |
| Instrument Date | Dec 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1107 JOSEPH CIR JOHNSBURG IL 600518410, JOHNSBURG, IL 60051-8410 |
| Document Number | 0000000224 |
|---|---|
| Date | Jan 3, 2018 |
| Instrument | 224 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 2, 2048 |
Source: McHenry County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | McHenry Township |
| Municipality | Johnsburg Village |
| Unified School District | Johnsburg Community Unit School District 12 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $108,321 Land $20,016 Building $88,305 | $324,963 Land $60,048 Building $264,915 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 41 (1979–2026) |
| Claims Outside the SFHA | 2 of 41 |
| Most Recent Claim | Apr 2026 · river or lake flooding |
| Claims by Event |
|
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | IL AMERICAN-WHISPERING HILLS private · serves 8,300 people · EPA ID IL1115700 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 59 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 214 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 |
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