166 Carpenter St, Crystal Lake, IL 60014 Property Records

McHenry County property record for 166 Carpenter St, Crystal Lake, IL 60014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,817 sqft · built 2005
Lot Size	0.103 acres (4,490 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,355 (2024)
Deeds & Mortgages	Feb 2023 Transfer Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-06-227-014`

Property Details

APN / Parcel Number

Primary APN	`19-06-227-014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,817 sqft Living Area
1st Floor Area	809 sqft
Basement Area	809 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,490 sqft (0.103 acres)
Lot Dimensions	75 ft deep x 61 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	166 CARPENTER ST
City	CRYSTAL LAKE
State	IL
Zip	60014-5804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2023R0004025 E 61 1/2FT S1/2 LT 54 & PT E PT LTS 55 & 56 KELLOGGS SUB MEMO: MATVIYCHUK, MARKO/PROTSENKO, DIANA
Legal Subdivision	KELLOGGS SUB
Legal Block	227
Legal Lot Number	54-56
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1006
Census Tract	871301

Owner

166 Carpenter St is owned and occupied by two individuals who acquired it in February 2023.

Source: McHenry County records, as of March 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	166 CARPENTER ST, CRYSTAL LAKE, IL 60014-5804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 24, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 30, 2022	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Sep 29, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2022
Deed Sale	Dec 30, 2022
Prior Sale	Sep 29, 2022 · Amount on File
Deed Document Number	202242550
Last Transfer Date	Feb 13, 2023
Transfer Doc	0000004025
Record Updated	Sep 20, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Feb 24, 2023
Property Address	166 CARPENTER ST, CRYSTAL LAKE, IL 60014-5804
Document Number	0000004025
Map Reference	MB 3 PG 40
Instrument Date	Feb 13, 2023
Instrument	2023R0004025
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	166 CARPENTER ST, CRYSTAL LAKE, IL 60014-5804

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Dec 30, 2022
Property Address	166 CARPENTER ST, CRYSTAL LAKE, IL 60014-5804
Document Number	0000042550
Map Reference	MB 3 PG 40
Instrument Date	Dec 20, 2022
Instrument	2022R0042550
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$369.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 CARPENTER ST, CRYSTAL LAKE, IL 60014-5804

Mortgage

Document Number	0000042551
Date	Dec 30, 2022
Instrument	2022R0042551

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.62%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 29, 2022
Property Address	166 CARPENTER ST, CRYSTAL LAKE, IL 60014-5804
Document Number	0000033715
Map Reference	MB 3 PG 40
Instrument Date	Aug 30, 2022
Instrument	2022R0033715
Transaction Type	Transfer
Record Updated	Oct 10, 2022

Transaction

Amount	Amount on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9451 BAY COLONY DR APT 1E, 1E, DES PLAINES, IL 60016-3619

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Algonquin Township
Municipality	Crystal Lake City
Elementary School District	Crystal Lake Community Consolidated School District 47 (PK - 08)
Secondary School District	Community High School District 155 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$9,355.00	$118,512 Land $9,876 Building $108,636	$355,536 Land $29,628 Building $325,908
2022	Homeowner's exemption	$82,706 Land $9,310 Building $73,396	$248,118 Land $27,930 Building $220,188

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 166 Carpenter St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2003–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2020 · rainfall accumulation

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 166 Carpenter 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 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	CRYSTAL LAKE serves 40,661 people · EPA ID IL1110150
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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