McHenry County property record for 1400 10th St, Harvard, IL 60033
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · built 1991 |
| Lot Size | 0.256 acres (11,166 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Dec 2023) |
| Tax Bill | $5,465 (2024) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-351-010 |
| Primary APN | 01-26-351-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 11,166 sqft (0.256 acres) |
| Lot Dimensions | 169 ft deep x 66 ft wide |
| Garage Type | Detached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 1400 10TH ST |
|---|---|
| City | HARVARD |
| State | IL |
| Zip | 60033-1601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2023R0031142 LT 7 BLK 2 JOHN K LUCAS SUB UNIT 1 |
| Legal Subdivision | JOHN K LUCAS SUB |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Legal Unit | 1 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | CHEMUNG |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 870301 |
1400 10th St is owned by two individuals who bought it in December 2023.
Source: McHenry County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12904 BEACH RD, MCHENRY, IL 60050 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 11, 2023 | Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO |
| Apr 8, 2022 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| May 2, 2017 | Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2023 · Amount on File |
| Deed Sale | Dec 11, 2023 · Amount on File |
| Prior Sale | May 2, 2017 · Amount on File |
| Deed Document Number | 202331142 |
| Prior Transfer Date | Jun 29, 2015 |
| Prior Transfer Doc | 0000033606 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Dec 11, 2023 |
| Property Address | 1400 10TH ST, HARVARD, IL 60033-1601 |
| Document Number | 0000031142 |
| Map Reference | DOC 90R29721 |
| Instrument Date | Dec 2, 2023 |
| Instrument | 2023R0031142 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2023 |
| Title Company | CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1400 10TH ST, HARVARD, IL 60033-1601 |
| Document Number | 0000031143 |
|---|---|
| Date | Dec 11, 2023 |
| Instrument | 2023R0031143 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Number | 0000031144 |
|---|---|
| Date | Dec 11, 2023 |
| Instrument | 2023R0031144 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Jan 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 1400 10TH ST, HARVARD, IL 60033-1601 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1400 10TH ST, HARVARD, IL 60033-1601 |
| Document Number | 0000012996 |
|---|---|
| Date | Apr 8, 2022 |
| Instrument | 2022R0012996 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 351 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | May 2, 2017 |
| Property Address | 1400 10TH ST, HARVARD, IL 60033-1601 |
| Document Number | 0000015625 |
| Instrument Date | Apr 25, 2017 |
| Instrument | 2017R0015625 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $202.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1400 10TH ST, 1400, HARVARD, IL 60033-1601 |
| Name | Verified Name |
|---|---|
| Address | 1400 10TH ST, HARVARD, IL 60033-1601 |
| Document Number | 0000015626 |
|---|---|
| Date | May 2, 2017 |
| Instrument | 2017R0015626 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
Source: McHenry County assessment roll, as of June 30, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Chemung Township |
| Municipality | Harvard City |
| Unified School District | Harvard Community Unit School District 50 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $5,465.00 | $68,969 Land $13,327 Building $55,642 | $206,907 Land $39,981 Building $166,926 |
| 2022 | Homeowner's exemption | $53,987 Land $12,048 Building $41,939 | $161,961 Land $36,144 Building $125,817 |
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.
FEMA maps place 1400 10th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Feb 1985 · tidal / storm surge |
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 risk around 1400 10th St 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 99.1% of the US · lower than 94% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HARVARD serves 9,469 people · EPA ID IL1110250 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 7 ppb (2026–2028) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 358 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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