1123 Cardinal Dr, Algonquin, IL 60102 Property Records

McHenry County property record for 1123 Cardinal Dr, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,120 sqft · built 1957
Lot Size	0.131 acres (5,726 sqft)
Owner	Individual Name on File
Last Sale	$156,500 (Jun 2017)
Deeds & Mortgages	Dec 2021 Second Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-33-477-003`

Property Details

APN / Parcel Number

Primary APN	`19-33-477-003`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,120 sqft
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 1957
Architectural Style	Ranch
Exterior Material	Frame Siding
Lot Area	5,726 sqft (0.131 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	1123 CARDINAL DR
City	ALGONQUIN
State	IL
Zip	60102-2545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2017R0021632 LT 47 BLK 9 ARTHUR TRAUBE & CO FOX RIVER VIEW SUB TRACT 1
Legal Range	08E
Legal Township	43N
Legal Section	33
Legal Subdivision	ARTHUR TRAUBE CO FOX RIVER VIEW
Legal Tract	1
Legal Block	9
Legal Lot Number	47
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3010
Census Tract	871310

Owner

1123 Cardinal Dr is owned and occupied by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Mailing Address	1123 CARDINAL DR, ALGONQUIN, IL 60102-2545
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 10, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jun 15, 2017	Warranty Deed, Transfer · FHA Mortgage NATIONS DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2017 · Amount on File
Deed Sale	Jun 15, 2017 · Amount on File
Prior Sale	Mar 17, 2016 · Amount on File
Deed Document Number	0000021632
Record Updated	Jun 7, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1123 CARDINAL DR, ALGONQUIN, IL 60102-2545
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1123 CARDINAL DR, ALGONQUIN, IL 60102-2545

Mortgage

Document Number	0000066158
Date	Dec 10, 2021
Instrument	2021R0066158

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	307 Months
Due	Jul 1, 2047

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 15, 2017
Property Address	1123 CARDINAL DR, ALGONQUIN, IL 60102-2545
Document Number	0000021632
Map Reference	MB5 PG98
Instrument Date	Jun 1, 2017
Instrument	2017R0021632
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	LAKELAND TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$234.75
Amount Accuracy	Verified / From Affidavit
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1123 CARDINAL DR, ALGONQUIN, IL 60102-2545

Mortgage

Document Number	0000021633
Date	Jun 15, 2017
Instrument	2017R0021633

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Algonquin Village
County	McHenry County
County Subdivision	Algonquin Township
Unified School District	Community Unit School District 300 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$41,077 Land $4,650 Building $36,427	$123,231 Land $13,950 Building $109,281

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 1123 Cardinal Dr in Zone X, an area of minimal flood risk, within 500 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	29 (1978–2017)
Claims Outside the SFHA	12 of 29
Most Recent Claim	Jul 2017 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 4 claims Severe Storms & Flooding, Jul 1993 · 5 claims

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 1123 Cardinal 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 97% of the US · lower than 79% 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	ALGONQUIN serves 30,700 people · EPA ID IL1110050
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2026–2028) action level 15 ppb
Copper	1.6 mg/L (2022–2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 211 locations within half a mile, as of December 31, 2025

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

May also be available: i3 Broadband, Verizon.

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