McHenry County property record for 18412 IL Route 173, Harvard, IL 60033
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,658 sqft · built 1982 |
| Lot Size | 2.16 acres (94,090 sqft) |
| Owner | 2 Owner Names on Record |
| Deeds & Mortgages | Sep 2025 Mortgage Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-20-400-006 |
| Primary APN | 02-20-400-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,658 sqft Living Area |
| Basement Area | 1,394 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Lot Area | 94,090 sqft (2.16 acres) |
| Deck Area | 414 sqft |
| Street Address | 18412 IL ROUTE 173 |
|---|---|
| City | HARVARD |
| State | IL |
| Zip | 60033-9405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2005R0064985 E 185.04FT W 855.04FT S 509.45FT SE1/4 |
| Legal Range | 06E |
| Legal Township | 46N |
| Legal Section | 20 |
| Legal Block | 400 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALDEN |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 870200 |
Source: McHenry County records, as of May 13, 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 18412 IL ROUTE 173, HARVARD, IL 60033-9405 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Sep 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage KANE COUNTY TEACHERS CU |
| Jun 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC |
| Jul 3, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA |
| Sep 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Prior Sale | Dec 12, 1997 · Amount on Record |
| Last Transfer Date | Aug 8, 2005 |
| Transfer Doc | 0000064985 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 18412 IL ROUTE 173, HARVARD, IL 60033-9405 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 18412 IL ROUTE 173, HARVARD, IL 60033-9405 |
| Document Number | 0000026207 |
|---|---|
| Date | Sep 24, 2025 |
| Instrument | 2025R0026207 |
| Name | KANE COUNTY TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | ELGIN, IL 60123 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 18412 IL ROUTE 173, HARVARD, IL 60033-9405 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000033395 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 2021R0033395 |
| Name | HOMESIDE FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 18412 IL ROUTE 173, HARVARD, IL 60033-9405 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WHEATLAND TITLE GUARANTY |
| Name | Verified Name |
|---|
| Document Number | 0000022179 |
|---|---|
| Date | Jul 3, 2018 |
| Instrument | 2018R0022179 |
| Name | FIRST NATIONAL BANK OF OMAHA |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68197 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2038 |
| Rate | 4.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 18412 IL ROUTE 173, HARVARD, IL 60033-9405 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000030062 |
|---|---|
| Date | Sep 13, 2019 |
| Instrument | 2019R0030062 |
| Name | HOMESIDE FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
Source: McHenry County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Alden Township |
| Unified School District | Harvard Community Unit School District 50 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $102,649 Land $13,137 Building $89,512 | $307,947 Land $39,411 Building $268,536 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 2 (2002–2007) |
| Claims Outside the SFHA | 1 of 2 |
| 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 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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