McHenry County property record for 17109 IL Route 176, Union, IL 60180
| Property Type | Single Family Home |
|---|---|
| Details | 2,352 sqft · built 1964 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $321,500 (Aug 2021) |
| Tax Bill | $4,397 (2024) |
| Deeds & Mortgages | Aug 2026 Line of Credit Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-33-200-012 |
| Primary APN | 12-33-200-012 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 2,352 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 1,176 sqft |
| Finished Basement | 1,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Lot Area | 435,600 sqft (10 acres) |
| Street Address | 17109 IL ROUTE 176 |
|---|---|
| City | UNION |
| State | IL |
| Zip | 60180-9744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2021R0046205 NE1/4 NE1/4 /EX W 990 FT/ MEMO: SERRANO, CRISTINA/RAMIREZ-PORRAS, JUAN |
| Legal Block | 200 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | SENECA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 871502 |
Source: McHenry County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 17109 IL ROUTE 176, UNION, IL 60180-9744 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 5, 2026 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Aug 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage ONE REPUBLIC INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2021 · Amount on Record |
| Deed Sale | Aug 23, 2021 · Amount on Record |
| Prior Sale | Apr 3, 2001 · Amount on Record |
| Deed Document Number | 202146205 |
| Prior Transfer Date | Oct 31, 1996 |
| Prior Transfer Doc | 0000005800 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Aug 5, 2026 |
| Property Address | 17109 IL ROUTE 176, UNION, IL 60180-9744 |
| Document Number | 0000022532 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202622532 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 17109 IL ROUTE 176, UNION, IL 60180-9744 |
| Document Number | 0000022532, |
|---|---|
| Date | Aug 5, 2026 |
| Instrument | 202622532 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 25, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Aug 23, 2021 |
| Property Address | 17109 IL ROUTE 176, UNION, IL 60180-9744 |
| Document Number | 0000046205 |
| Instrument Date | Aug 4, 2021 |
| Instrument | 2021R0046205 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $321.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 470 CANCND DR, ELGIN, IL 60120 |
| Document Number | 0000046206 |
|---|---|
| Date | Aug 23, 2021 |
| Instrument | 2021R0046206 |
| Name | ONE REPUBLIC INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate | 3.37% |
|---|
Source: McHenry County assessment roll, as of June 30, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Seneca Township |
| Elementary School District | Marengo-Union Elementary Consolidated District 165 (PK - 08) |
| Secondary School District | Marengo Community High School District 154 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $4,397.00 | $77,955 (+21.81%) Land $26,511 Building $51,444 | $233,865 (+21.81%) Land $79,533 Building $154,332 |
| 2022 | Homeowner's exemption | $63,995 Land $21,856 Building $42,139 | $191,985 Land $65,568 Building $126,417 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2007 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 61% 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.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Rise Broadband Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 25 / 3 |
| AT&T DSL | 10 / 1 |
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