1802 W Cobblestone Ln, McHenry, IL 60051 Property Records

McHenry County property record for 1802 W Cobblestone Ln, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	6 ba · 3,164 sqft · built 1989
Lot Size	0.838 acres (36,505 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Apr 2018)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-19-303-023`

Property Details

APN / Parcel Number

Primary APN	`10-19-303-023`

Interior

Full Baths	6 Baths
Half Baths	4 Half Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	3,164 sqft Living Area
Gross Area	4,848 sqft
1st Floor Area	1,731 sqft
Basement Area	1,790 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	A-Frame
Exterior Material	Brick
Construction Type	Frame
Lot Area	36,505 sqft
Garage Area	790 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	32 sqft
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1802 W COBBLESTONE LN
City	MCHENRY
State	IL
Zip	60051-6802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2018R0012089 LT 11 STONE RIDGE
Legal Range	09E
Legal Township	45N
Legal Section	19
Legal Subdivision	STONE RIDGE
Legal Block	303
Legal Lot Number	11
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	2
Census Block	2051
Census Tract	870702

Owner

1802 W Cobblestone Ln is owned by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1802 W COBBLESTONE LN, MCHENRY, IL 60051-6802
Owner Type	Individual

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
Jan 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 17, 2018	Grant Deed, Foreclosure · Conventional with PMI BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2018 · Amount on File
Deed Sale	Apr 17, 2018 · Amount on File
Prior Sale	Jul 6, 2016
Deed Document Number	2018R0012089
Record Updated	Jun 7, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1802 W COBBLESTONE LN, MCHENRY, IL 60051-6802
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000740
Date	Jan 6, 2021
Instrument	2021R0000740

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.25%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1802 W COBBLESTONE LN, MCHENRY, IL 60051-6802
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010330
Date	Mar 24, 2020
Instrument	2020R0010330

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

Interest

Rate	2.94%

April 2018: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 17, 2018
Property Address	1802 W COBBLESTONE LN, MCHENRY, IL 60051-6802
Document Number	0000012089
Instrument Date	Mar 30, 2018
Instrument	12089
Transaction Type	Foreclosure
Record Updated	Apr 26, 2018
Title Company	STARCK TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$472.50

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	104 MORNINGSIDE DR LAKEMOOR IL 600518706, LAKEMOOR, IL 60051-8706

Mortgage

Document Number	12090
Date	Apr 17, 2018
Instrument	12090

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2022

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	McHenry Township
Elementary School District	McHenry Community Consolidated School District 15 (PK - 08)
Secondary School District	McHenry Community High School District 156 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$121,791 Land $18,786 Building $103,005	$365,373 Land $56,358 Building $309,015

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 1802 W Cobblestone Ln in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.

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	7 in force
Nearby Flood Claims	22 (1979–2026)
Claims Outside the SFHA	3 of 22
Most Recent Claim	Apr 2026 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 6 claims Severe Storms & Flooding, Jun 1993 · 3 claims

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 1802 W Cobblestone Ln 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 96% of the US · lower than 74% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 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

May also be available: Verizon.

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