1420 Thomas Dr, Woodstock, IL 60098 Property Records

McHenry County property record for 1420 Thomas Dr, Woodstock, IL 60098

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,295 sqft · built 1999
Lot Size	0.273 acres (11,910 sqft)
Owner	2 Owner Names on File
Last Sale	$180,000 (Apr 2003)
Deeds & Mortgages	Jan 2023 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-31-482-006`

Property Details

APN / Parcel Number

Primary APN	`08-31-482-006`

Interior

Bedrooms	3 Beds
Stories	2 Stories
Building Area	2,295 sqft Living Area

Exterior

Year Built	Built 1999
Lot Area	11,910 sqft

Location & Zoning

Street Address	1420 THOMAS DR
City	WOODSTOCK
State	IL
Zip	60098-6200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2003R0055425 LT 6 PRAIRIE TERRACE SUB PHASE 1
Legal Range	07E
Legal Township	45N
Legal Section	31
Legal Subdivision	PRAIRIE TERRACE
Legal Phase	1
Legal Block	482
Legal Lot Number	6
Jurisdiction	MCHENRY IL
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1015
Census Tract	870404

Owner

The current owner of 1420 Thomas Dr bought it in April 2003.

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

Owner of Record	2 Owner Names on File
Mailing Address	1420 THOMAS DR, WOODSTOCK, IL 60098-6200
Occupancy	Owner Occupied

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
Jan 19, 2023	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER HOME LOANS INC
Dec 13, 2018	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2003 · Amount on File
Deed Sale	Apr 29, 2003 · Amount on File
Prior Sale	Apr 28, 1998 · Amount on File
Deed Document Number	2003R0055425
Record Updated	Jun 7, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1420 THOMAS DR, WOODSTOCK, IL 60098-6200
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1420 THOMAS DR, WOODSTOCK, IL 60098-6200

Mortgage

Document Number	0000001446
Date	Jan 19, 2023
Instrument	2023R0001446

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 17, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.19%
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1420 THOMAS DR, WOODSTOCK, IL 60098-6200
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034675
Date	Jun 25, 2021
Instrument	2021R0034675

Lender

Name	DISCOVER HOME LOANS INC
Type	Mortgage Company
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2051

Interest

Rate Type	Fixed Rate
Rate	3.29%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1420 THOMAS DR, WOODSTOCK, IL 60098-6200
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042278
Date	Dec 13, 2018
Instrument	2018R0042278

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 28, 2048

Interest

Rate Type	Adjustable Rate
Rate	9.38%
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Greenwood Township
Municipality	Woodstock City
Unified School District	Woodstock Community Unit School District 200 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$87,128 Land $21,849 Building $65,279	$261,384 Land $65,547 Building $195,837

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 1420 Thomas Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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

The area around 1420 Thomas Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not 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 System	WOODSTOCK serves 25,630 people · EPA ID IL1110950
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	7 ppb (2025) action level 15 ppb
Copper	1.5 mg/L (2021–2023) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2024
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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