1606 Elm St, Spring Grove, IL 60081 Property Records

McHenry County property record for 1606 Elm St, Spring Grove, IL 60081

Property Summary

Property Type	Single Family Home
Details	1,993 sqft · built 1993
Lot Size	0.875 acres (38,119 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Oct 2021 Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-31-177-005`

Property Details

APN / Parcel Number

Primary APN	`05-31-177-005`

Interior

Stories	2 Stories
Building Area	1,993 sqft Living Area

Exterior

Year Built	Built 1993
Lot Area	38,119 sqft

Location & Zoning

Street Address	1606 ELM ST
City	SPRING GROVE
State	IL
Zip	60081-8001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 1993R0048546 LT 64 ORCHARD BLUFF ESTATES UNIT 1
Legal Range	09E
Legal Township	46N
Legal Section	31
Legal Subdivision	ORCHARD BLUFF ESTATES
Legal Block	177
Legal Lot Number	64
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	BURTON
Census Block Group	2
Census Block	2048
Census Tract	870105

Owner

1606 Elm St is owned and occupied by an individual who acquired it in August 1993.

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

Owner of Record	Individual Name on File
Mailing Address	1606 ELM ST, SPRING GROVE, IL 60081-8001
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU
Nov 13, 2017	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 1993
Deed Sale	Aug 18, 1993
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1606 ELM ST, SPRING GROVE, IL 60081-8001
Transaction Type	Mortgage
Record Updated	Nov 1, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056983
Date	Oct 20, 2021
Instrument	2021R0056983

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	GURNEE, IL 60031

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 1, 2031

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1606 ELM ST, SPRING GROVE, IL 60081-8001
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041925
Date	Nov 13, 2017
Instrument	2017R0041925

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2037

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1606 ELM ST, SPRING GROVE, IL 60081-8001
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036410
Date	Oct 28, 2019
Instrument	2019R0036410

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Burton Township
Municipality	Spring Grove Village
Elementary School District	Nippersink School District 2 (KG - 08)
Secondary School District	Richmond-Burton Community High School District 157 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$119,883 Land $17,288 Building $102,595	$359,649 Land $51,864 Building $307,785

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

Flood

FEMA maps place 1606 Elm 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 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	6 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 1606 Elm 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 95% of the US · lower than 70% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	IL AMERICAN-WHISPERING HILLS private · serves 8,300 people · EPA ID IL1115700
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	59 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

Provider	Max 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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