McHenry County property record for 1717 Spruce St, Spring Grove, IL 60081
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 3,431 sqft · built 1998 |
| Lot Size | 1.04 acres (45,673 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $506,000 (Jul 2026) |
| Tax Bill | $10,373 (2024) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage May 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-31-176-006 |
| Primary APN | 05-31-176-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,431 sqft Living Area |
| Basement Area | 1,233 sqft |
| Finished Basement | 1,233 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 45,673 sqft (1.04 acres) |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 1717 SPRUCE ST |
|---|---|
| City | SPRING GROVE |
| State | IL |
| Zip | 60081-8072 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2023R0011271 LT 132 ORCHARD BLUFF ESTATES UNIT 2 |
| Legal Subdivision | ORCHARD BLUFF ESTATES |
| Legal Block | 176 |
| Legal Lot Number | 132 |
| Legal Unit | 2 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | BURTON |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 870105 |
1717 Spruce St is owned by two individuals who bought it in July 2026.
Source: McHenry County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 242 FERN PL, FOX LAKE, IL 60020-1602 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 8, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Dec 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 5, 2018 | Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2026 · Amount on File |
| Deed Sale | Jul 8, 2026 · Amount on File |
| Prior Sale | May 16, 2023 · Amount on File |
| Deed Document Number | 202619370 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jul 8, 2026 |
| Property Address | 1717 SPRUCE ST, SPRING GROVE, IL 60081-8072 |
| Document Number | 0000019370 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 202619370 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $76,659.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 242 FERN PL, FOX LAKE, IL 60020-1602 |
| Document Number | 0000019371, |
|---|---|
| Date | Jul 8, 2026 |
| Instrument | 202619371 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | May 16, 2023 |
| Property Address | 1717 SPRUCE ST, SPRING GROVE, IL 60081-8072 |
| Document Number | 0000011271 |
| Map Reference | DOC 92R057812 |
| Instrument Date | May 11, 2023 |
| Instrument | 2023R0011271 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $425.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1717 SPRUCE ST, SPRING GROVE, IL 60081-8072 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1717 SPRUCE ST, SPRING GROVE, IL 60081-8072 |
| Document Number | 0000011272 |
|---|---|
| Date | May 16, 2023 |
| Instrument | 2023R0011272 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2038 |
| Rate | 5.5% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 1717 SPRUCE ST, SPRING GROVE, IL 60081-8072 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | GREATER ILLINOIS TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000055074 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | 2020R0055074 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Sep 5, 2018 |
| Property Address | 1717 SPRUCE ST, SPRING GROVE, IL 60081-8072 |
| Document Number | 0000030479 |
| Map Reference | DOC92R057812 |
| Instrument Date | Aug 27, 2018 |
| Instrument | 2018R0030479 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $480.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1717 SPRUCE ST, SPRING GROVE, IL 60081-8072 |
| Document Number | 0000030480 |
|---|---|
| Date | Sep 5, 2018 |
| Instrument | 2018R0030480 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
Source: McHenry County assessment roll, as of June 30, 2025
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $10,373.00 | $146,123 Land $21,072 Building $125,051 | $438,369 Land $63,216 Building $375,153 |
| 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, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1717 Spruce 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 risk around 1717 Spruce 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 19 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 |
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