1. Home
  2. Illinois
  3. McHenry County
  4. McHenry
  5. Charles St

1202 Charles St, McHenry, IL 60051 Property Records

McHenry County property record for 1202 Charles St, McHenry, IL 60051

Property Summary

Property TypeSingle Family Home
Details400 sqft · built 1940
Lot Size0.21 acres (9,176 sqft)
OwnerIndividual on Record
Last Sale$62,500 (Oct 2022)
Deeds & MortgagesFeb 2024 Mortgage
Oct 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN09-25-353-003

Property Details

APN / Parcel Number

Primary APN09-25-353-003

Interior

Plumbing Fixtures5 Plumbing Fixtures
Stories1 Story
Building Area400 sqft Living Area
1st Floor Area400 sqft

Exterior

Year BuiltBuilt 1940
Architectural StyleA-Frame
Exterior MaterialFrame/Vinyl
Construction TypeFrame
Lot Area9,176 sqft

Location & Zoning

Street Address1202 CHARLES ST
CityMCHENRY
StateIL
Zip60051-4520
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 2022R0034411 LT 5 CONWAYS SUB
Legal Range08E
Legal Township45N
Legal Section25
Legal SubdivisionCONWAYS
Legal Block353
Legal Lot Number5
JurisdictionMCHENRY IL
Township / Civil DivisionMCHENRY
Census Block Group2
Census Block2079
Census Tract870702

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual on Record
Mailing Address1202 CHARLES ST, MCHENRY, IL 60051-4520
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 29, 2024Deed of Trust, Mortgage · Conventional Mortgage
DISCOVER BANK
Oct 5, 2022Warranty Deed, Transfer · Conventional Mortgage
WINTRUST MORTGAGE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 5, 2022 · Amount on Record
Deed SaleOct 5, 2022 · Amount on Record
Deed Document Number2022R0034411
Record UpdatedJun 7, 2026

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Property Address1202 CHARLES ST, MCHENRY, IL 60051-4520
Transaction TypeMortgage
Record UpdatedMar 12, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address1202 CHARLES ST, MCHENRY, IL 60051-4520

Mortgage

Document Number0000004790
DateFeb 29, 2024
Instrument2024R0004790
Lender
NameDISCOVER BANK
TypeBank
AddressGREENWOOD, DE 19950
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2054
Interest
Rate TypeFixed Rate
Rate7.81%

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCHENRY IL
Recording DateOct 5, 2022
Property Address1202 CHARLES ST, MCHENRY, IL 60051-4520
Document Number0000034411
Map ReferenceDOC60164 MB4 PG99
Instrument DateSep 27, 2022
Instrument2022R0034411
Transaction TypeTransfer
Record UpdatedOct 14, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$62.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1202 CHARLES ST # 3, 3, MCHENRY, IL 60051-4520

Mortgage

Document Number0000034412
DateOct 5, 2022
Instrument2022R0034412
Lender
NameWINTRUST MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2052
Interest
Rate TypeFixed Rate
Rate6.5%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyMcHenry County
County SubdivisionMcHenry Township
Elementary School DistrictMcHenry Community Consolidated School District 15 (PK - 08)
Secondary School DistrictMcHenry Community High School District 156 (09 - 12)

Tax Bill & Assessment History

YearAssessed ValueAssessed Market Value
2022$19,057 Land $7,265 Building $11,792$57,171 Land $21,795 Building $35,376

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

Source: FEMA National Flood Hazard Layer, effective February 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies7 in force
Nearby Flood Claims22 (1979–2026)
Claims Outside the SFHA3 of 22
Most Recent ClaimApr 2026 · river or lake flooding
Claims by Event
  • Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 6 claims
  • Severe Storms & Flooding, Jun 1993 · 3 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

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

Wildfire RiskNot 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 SystemMCHENRY
serves 22,335 people · EPA ID IL1110600
Water SourceGroundwater
Last State InspectionMay 2023
Lead7 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting23
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

ProviderMax 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 Charles St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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