1813 S River Rd, McHenry, IL 60051 Property Records

McHenry County property record for 1813 S River Rd, McHenry, IL 60051

Property Summary

Property Type	Vacant Land
Lot Size	0.67 acres (29,185 sqft)
Owner	Trust Name on File
Last Sale	$6,500 (Oct 2017)
Tax Bill	$488 (2024)
Deeds & Mortgages	Aug 2017 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-18-303-016`

Property Details

APN / Parcel Number

Primary APN	`10-18-303-016`

Exterior

Lot Area	29,185 sqft (0.67 acres)

Location & Zoning

Street Address	1813 RIVER TERRACE DR
City	JOHNSBURG
State	IL
Zip	60051-7508
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	DOC 2021R0063442 LT 1 JOHN A MILLERS SUB MEMO: DESIGNATED AS PRIVATE BEACH PER PLAT
Legal Subdivision	JOHN A MILLERS SUB
Legal Tract	1
Legal Block	303
Legal Lot Number	1
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	1
Census Block	1009
Census Tract	870702

Owner

1813 S River Rd, vacant land, is held in a trust since October 2017.

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

Owner of Record	Trust Name on File
Mailing Address	1813 RIVER TERRACE DR, JOHNSBURG, IL 60051-7508
Owner Type	Company
Vesting	Trust

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
Aug 21, 2017	Deed of Trust, Mortgage · Commercial Mortgage STATE BANK
Nov 5, 2019	Deed of Trust, Mortgage · Commercial Mortgage STATE BANK
Nov 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage INLAND BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2017 · Amount on File
Deed Sale	Oct 3, 2017 · Amount on File
Prior Sale	Jul 6, 2015 · Amount on File
Deed Document Number	201736846
Prior Transfer Date	Jul 5, 2017
Prior Transfer Doc	0000036846
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1813 S RIVER RD, MCHENRY, IL 60051-9262
Transaction Type	Mortgage
Record Updated	Jun 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030803
Date	Aug 21, 2017
Instrument	2017R0030803

Lender

Name	STATE BANK
Type	Bank
Address	WONDER LAKE, IL 60097

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 8, 2042

Interest

Rate Type	Adjustable Rate
Rate	1.83%
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1813 S RIVER RD, MCHENRY, IL 60051-9262
Transaction Type	Mortgage
Record Updated	Jun 7, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037827
Date	Nov 5, 2019
Instrument	2019R0037827

Lender

Name	STATE BANK
Type	Bank
Address	WONDER LAKE, IL 60097

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	35 Months
Due	Oct 18, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Nov 23, 2021
Property Address	1813 S RIVER RD, MCHENRY, IL 60051-9262
Document Number	0000063442
Map Reference	MB 4 PG 21
Instrument Date	Oct 18, 2021
Instrument	2021R0063442
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE

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	Living Trust
Address	1813 RIVER TERRACE DR, JOHNSBURG, IL 60051-7508

Mortgage

Document Number	0000063443
Date	Nov 23, 2021
Instrument	2021R0063443

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	McHenry Township
Municipality	Johnsburg Village
Unified School District	Johnsburg Community Unit School District 12 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$488.00	$6,947 Land $6,947	$20,841 Land $20,841
2022		$5,774 Land $5,774	$17,322 Land $17,322

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

Flood

FEMA maps place 1813 S River Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 28 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	38 (1979–2026)
Claims Outside the SFHA	3 of 38
Most Recent Claim	Apr 2026 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 12 claims Severe Storms & Flooding, Jun 1993 · 9 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 1813 S River Rd 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 97% of the US · lower than 79% 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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S River Rd

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