1609 Elm St, Spring Grove, IL 60081 Property Records

McHenry County property record for 1609 Elm St, Spring Grove, IL 60081

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,427 sqft · built 1995
Lot Size	0.918 acres (40,000 sqft)
Owner	2 Owner Names on File
Last Sale	$358,000 (Jun 2005)
Deeds & Mortgages	Jan 2022 Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-31-178-003`

Property Details

APN / Parcel Number

Primary APN	`05-31-178-003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,427 sqft Living Area
Gross Area	2,400 sqft
Basement Area	1,160 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Architectural Style	Colonial
Exterior Material	Ribbed Aluminum
Lot Area	40,000 sqft (0.918 acres)
Lot Dimensions	266 ft deep x 150 ft wide
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1609 ELM ST
City	SPRING GROVE
State	IL
Zip	60081-8002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2005R0044879 LT 69 ORCHARD BLUFF ESTATES UNIT 1
Legal Range	09E
Legal Township	46N
Legal Section	31
Legal Subdivision	ORCHARD BLUFF ESTATES
Legal Block	178
Legal Lot Number	69
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	BURTON
Census Block Group	2
Census Block	2050
Census Tract	870105

Owner

The current owner of 1609 Elm St bought it in June 2005.

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

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 Owner Names on File
Mailing Address	1609 ELM ST, SPRING GROVE, IL 60081-8002
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORIA DEVELOPMENT INC
May 12, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2005 · Amount on File
Deed Sale	Jun 9, 2005 · Amount on File
Prior Sale	Mar 23, 2001
Deed Document Number	2005R0044879
Record Updated	Jun 7, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1609 ELM ST, SPRING GROVE, IL 60081-8002
Transaction Type	Mortgage
Record Updated	Jan 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001916
Date	Jan 13, 2022
Instrument	2022R0001916

Lender

Name	MORIA DEVELOPMENT INC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2037

Interest

Rate Type	Fixed Rate
Rate	2.75%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1609 ELM ST, SPRING GROVE, IL 60081-8002
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016986
Date	May 12, 2017
Instrument	2017R0016986

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 25, 2047

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	$115,744 Land $17,288 Building $98,456	$347,232 Land $51,864 Building $295,368

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 1609 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

The area around 1609 Elm St 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	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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