McHenry County property record for 1314 Beach St, Crystal Lake, IL 60014
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,216 sqft · built 1940 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $330,000 (Sep 2023) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Mar 2023 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 15-30-257-028 |
| Primary APN | 15-30-257-028 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 1,216 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Attached |
| Garage Area | 589 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 20 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1314 BEACH ST |
|---|---|
| City | CRYSTAL LAKE |
| State | IL |
| Zip | 60014-2508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2018R0037489 LT 22 BLK 8 BAY VIEW BEACH ON THE FOX RIVER |
| Legal Range | 09E |
| Legal Township | 44N |
| Legal Section | 30 |
| Legal Subdivision | BAY VIEW BEACH ON THE FOX |
| Legal Block | 8 |
| Legal Lot Number | 22 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | NUNDA |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 870810 |
Source: McHenry County records, as of May 13, 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1322 BEACH ST, CRYSTAL LAKE, IL 60014-2508 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2023 | Warranty Deed, Transfer · Conventional Mortgage LIFESTONE MORTGAGE CORP |
| Mar 23, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jan 5, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Nov 1, 2018 | Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2023 · Amount on Record |
| Deed Sale | Sep 18, 2023 · Amount on Record |
| Prior Sale | Nov 1, 2018 · Amount on Record |
| Deed Document Number | 2023R0023288 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Sep 18, 2023 |
| Property Address | 1314 BEACH ST, CRYSTAL LAKE, IL 60014-2508 |
| Document Number | 0000023288 |
| Map Reference | DOC 72554 |
| Instrument Date | Aug 8, 2023 |
| Instrument | 2023R0023288 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1322 BEACH ST, CRYSTAL LAKE, NE |
| Name | Verified Name |
|---|---|
| Address | 1322 BEACH ST, CRYSTAL LAKE, IL 60014-2508 |
| Document Number | 0000023289 |
|---|---|
| Date | Sep 18, 2023 |
| Instrument | 2023R0023289 |
| Name | LIFESTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 1314 BEACH ST, CRYSTAL LAKE, IL 60014-2508 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1314 BEACH ST, CRYSTAL LAKE, IL 60014-2508 |
| Document Number | 0000006328 |
|---|---|
| Date | Mar 23, 2023 |
| Instrument | 2023R0006328 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 273 Months |
| Due | Dec 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 1314 BEACH ST, CRYSTAL LAKE, IL 60014-2508 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000610 |
|---|---|
| Date | Jan 5, 2021 |
| Instrument | 2021R0000610 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Dec 1, 2045 |
| Rate | 3.25% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Nov 1, 2018 |
| Property Address | 1314 BEACH ST, CRYSTAL LAKE, IL 60014-2508 |
| Document Number | 0000037489 |
| Map Reference | MB5 PG58 DOC72554 |
| Instrument Date | Oct 30, 2018 |
| Instrument | 2018R0037489 |
| 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 | $199.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1314 BEACH ST, CRYSTAL LAKE, IL 60014-2508 |
| Document Number | 0000037490 |
|---|---|
| Date | Nov 1, 2018 |
| Instrument | 2018R0037490 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Rate | 4.5% |
|---|
Source: McHenry County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Nunda Township |
| Secondary School District | Community High School District 155 (09 - 12) |
| Elementary School District | Prairie Grove Community School District 46 (KG - 08) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2022 | $48,352 Land $10,666 Building $37,686 | $145,056 Land $31,998 Building $113,058 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 69 (1979–2026) |
| Claims Outside the SFHA | 7 of 69 |
| 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 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 174 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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