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1603 Spruce St, Spring Grove, IL 60081 Property Records

McHenry County property record for 1603 Spruce St, Spring Grove, IL 60081

Property Summary

Property TypeSingle Family Home
Details1 ba · 2,208 sqft · built 1993
Lot Size0.959 acres (41,800 sqft)
OwnerTrust Name on File
Deeds & MortgagesFeb 2024 Transfer
Dec 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN05-31-176-003

Property Details

APN / Parcel Number

Primary APN05-31-176-003

Interior

Full Baths1 Bath
Plumbing Fixtures12 Plumbing Fixtures
Stories1 Story
Building Area2,208 sqft Living Area
Basement Area2,208 sqft

Exterior

Year BuiltBuilt 1993
Lot Area41,800 sqft (0.959 acres)
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address1603 SPRUCE ST
CitySPRING GROVE
StateIL
Zip60081-8006
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 1992R0036883 LT 47 ORCHARD BLUFF ESTATES UNIT 1
Legal Range09E
Legal Township46N
Legal Section31
Legal SubdivisionORCHARD BLUFF ESTATES
Legal Block176
Legal Lot Number47
Legal Unit1
JurisdictionMCHENRY IL
Township / Civil DivisionBURTON
Census Block Group2
Census Block2049
Census Tract870105

Owner

1603 Spruce St is owner-occupied and held in a trust since February 2024.

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

Owner of RecordTrust Name on File
Mailing Address1603 SPRUCE ST, SPRING GROVE, IL 60081-8006
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

DateDocument
Feb 1, 2024Transfer on Death Deed, Transfer
Dec 21, 2021Deed of Trust, Mortgage · Conventional Mortgage
FIRST MIDWEST BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 1, 2024
Deed SaleFeb 1, 2024
Deed Document Number0000002399
Record UpdatedJun 7, 2026

February 2024: Transfer on Death Deed, Transfer

Document TypeTransfer on Death Deed
JurisdictionMCHENRY IL
Recording DateFeb 1, 2024
Property Address1603 SPRUCE ST, SPRING GROVE, IL 60081-8006
Document Number0000002399
Map ReferenceDOC 91R032869
Instrument DateJan 25, 2024
Instrument2024R0002399
Transaction TypeTransfer
Record UpdatedFeb 13, 2024

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address1603 SPRUCE ST, SPRING GROVE, IL 60081-8006

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Property Address1603 SPRUCE ST, SPRING GROVE, IL 60081-8006
Transaction TypeMortgage
Record UpdatedDec 30, 2021
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000067635
DateDec 21, 2021
Instrument2021R0067635
Lender
NameFIRST MIDWEST BANK
TypeBank
AddressGURNEE, IL 60031
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term176 Months
DueAug 1, 2036
Interest
Rate TypeFixed Rate
Rate2.5%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyMcHenry County
County SubdivisionBurton Township
MunicipalitySpring Grove Village
Elementary School DistrictNippersink School District 2 (KG - 08)
Secondary School DistrictRichmond-Burton Community High School District 157 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2022Disabled Person's exemption$109,228 Land $17,288 Building $91,940$327,684 Land $51,864 Building $275,820

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1603 Spruce St 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies6 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

Wildfire risk around 1603 Spruce 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 RiskLow
lower than 95% of the US · lower than 70% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemIL AMERICAN-WHISPERING HILLS
private · serves 8,300 people · EPA ID IL1115700
Water SourceGroundwater
Last State InspectionOct 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting59
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 60 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Xfinity.

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