1704 Cedar Ln, Spring Grove, IL 60081 Property Records

McHenry County property record for 1704 Cedar Ln, Spring Grove, IL 60081

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,194 sqft · built 2003
Lot Size	1.12 acres (48,783 sqft)
Owner	2 Owner Names on Record
Last Sale	$73,500 (Oct 2002)
Deeds & Mortgages	Jul 2022 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-30-376-006`

Property Details

APN / Parcel Number

Primary APN	`05-30-376-006`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	3,194 sqft Living Area
Basement Area	1,883 sqft

Exterior

Year Built	Built 2003
Lot Area	48,783 sqft (1.12 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1704 CEDAR LN
City	SPRING GROVE
State	IL
Zip	60081-7918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2002R0099517 LT 159 ORCHARD BLUFF ESTS UNIT 3
Legal Range	09E
Legal Township	46N
Legal Section	30
Legal Subdivision	ORCHARD BLUFF ESTS
Legal Block	376
Legal Lot Number	159
Legal Unit	3
Jurisdiction	MCHENRY IL
Township / Civil Division	BURTON
Census Block Group	2
Census Block	2053
Census Tract	870105

Owner

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 Record
Mailing Address	1704 CEDAR LN, SPRING GROVE, IL 60081-7918

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Mar 3, 2017	Deed of Trust, Mortgage · Commercial Mortgage HERITAGE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2002 · Amount on Record
Deed Sale	Oct 29, 2002 · Amount on Record
Prior Sale	Jun 29, 2001 · Amount on Record
Deed Document Number	2002R0099517
Record Updated	Jun 7, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1704 CEDAR LN, SPRING GROVE, IL 60081-7918
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024940
Date	Jul 14, 2022
Instrument	2022R0024940

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	PONTIAC, IL 61764

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	171 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.62%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1704 CEDAR LN, SPRING GROVE, IL 60081-7918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007757
Date	Mar 3, 2017
Instrument	2017R0007757

Lender

Name	HERITAGE BANK NA
Type	Bank
Address	BLOOMINGTON, IL 61702

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Change Frequency	Monthly
Min Rate At Change	6%
Max Rate	18%

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	$140,914 Land $17,288 Building $123,626	$422,742 Land $51,864 Building $370,878

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

Flood

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

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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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