1340 Beach St, Crystal Lake, IL 60014 Property Records

McHenry County property record for 1340 Beach St, Crystal Lake, IL 60014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 1960
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$208,000 (Apr 2004)
Tax Bill	$5,738 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`15-30-257-032`

Property Details

APN / Parcel Number

Primary APN	`15-30-257-032`
Alternative APN	`1530257019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,620 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Stone
Foundation Type	Raised
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1340 BEACH ST
City	CRYSTAL LAKE
State	IL
Zip	60014-2508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2015R0012640 LTS 34 & 35 BLK 8 BAY VIEW BEACH ON THE FOX RIVER
Legal Subdivision	BAY VIEW
Legal Block	8
Legal Lot Number	34,35
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	2
Census Block	2050
Census Tract	870810

Owner

Source: McHenry County records, as of July 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1340 BEACH ST, CRYSTAL LAKE, IL 60014-2508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · VA Mortgage NATIONS LENDING CORP
Jun 10, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 9, 2018	Deed of Trust, Mortgage · VA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2004 · Amount on Record
Deed Sale	Apr 12, 2004 · Amount on Record
Prior Sale	Apr 12, 2004 · Amount on Record
Deed Document Number	200428900
Last Transfer Date	Mar 26, 2015
Transfer Doc	0000012640
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1340 BEACH ST, CRYSTAL LAKE, IL 60014-2508
Transaction Type	Mortgage
Record Updated	Dec 24, 2025
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1340 BEACH ST, CRYSTAL LAKE, IL 60014-2508

Mortgage

Document Number	0000034738
Date	Dec 10, 2025
Instrument	2025R0034738

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.25%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1340 BEACH ST, CRYSTAL LAKE, IL 60014-2508
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016621
Date	Jun 10, 2019
Instrument	2019R0016621

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Interest

Rate	4.5%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1340 BEACH ST, CRYSTAL LAKE, IL 60014-2508
Document Number	0000008857
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1340 BEACH ST CRYSTAL LAKE IL 600142508, CRYSTAL LAKE, IL 60014-2508

Mortgage

Document Number	0000008857
Date	Mar 20, 2018
Instrument	8857

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2048

Interest

Rate	4%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$5,738.00	$77,911 (+46.88%) Land $13,005 Building $64,906	$233,733 (+46.88%) Land $39,015 Building $194,718
2022	Homeowner's exemption	$53,045 Land $10,666 Building $42,379	$159,135 Land $31,998 Building $127,137

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 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	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 11 claims Severe Storms & Flooding, Aug 1993 · 20 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 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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