McHenry County property record for 1108 Black Cherry Dr, Crystal Lake, IL 60012
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,835 sqft · built 2020 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $525,000 (Jun 2026) |
| Tax Bill | $12,014 (2024) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-27-485-014 |
| Primary APN | 14-27-485-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Building Area | 1,835 sqft Living Area |
| 1st Floor Area | 1,835 sqft |
| Basement Area | 1,835 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 204 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1108 BLACK CHERRY DR |
|---|---|
| City | CRYSTAL LAKE |
| State | IL |
| Zip | 60012-3816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2020R0026138 LT 447 WOODLORE ESTATES SUB |
| Legal Subdivision | WOODLORE ESTATES SUB |
| Legal Lot Number | 447 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | NUNDA |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 870809 |
Source: McHenry County records, as of June 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 879 SAYBROOK LN, BUFFALO GROVE, IL 60089-1239 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jun 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY BANK |
| Jul 13, 2020 | Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2026 · Amount on Record |
| Deed Sale | Jun 10, 2026 · Amount on Record |
| Prior Sale | Jul 13, 2020 · Amount on Record |
| Deed Document Number | 202616256 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jun 10, 2026 |
| Property Address | 1108 BLACK CHERRY DR, CRYSTAL LAKE, IL 60012-3816 |
| Document Number | 0000016256 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 202616256 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $79,537.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 879 SAYBROOK LN, BUFFALO GROVE, IL 60089-1239 |
| Document Number | 0000016257, |
|---|---|
| Date | Jun 10, 2026 |
| Instrument | 202616257 |
| Name | MORGAN STANLEY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.4% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jul 13, 2020 |
| Property Address | 1108 BLACK CHERRY DR, CRYSTAL LAKE, IL 60012-3816 |
| Document Number | 0000026138 |
| Map Reference | DOC 2007R0083141 |
| Instrument Date | Jun 22, 2020 |
| Instrument | 2020R0026138 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | CALATLANTIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $378.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1141 E MAIN ST # ST108, 1141, EAST DUNDEE, IL 60118-2440 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1108 BLACK CHERRY DR # 2A, 2A, CRYSTAL LAKE, IL 60012-3816 |
| Document Number | 0000026139 |
|---|---|
| Date | Jul 13, 2020 |
| Instrument | 2020R0026139 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
Source: McHenry County assessment roll, as of March 27, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $12,014.00 | $151,636 (+19.61%) Land $32,472 Building $119,164 | $454,908 (+19.61%) Land $97,416 Building $357,492 |
| 2022 | Homeowner's exemption Additional exemption filed | $126,775 Land $21,709 Building $105,066 | $380,325 Land $65,127 Building $315,198 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · above 42% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
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 |
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