1902 Orchard Beach Rd, McHenry, IL 60050 Property Records

McHenry County property record for 1902 Orchard Beach Rd, McHenry, IL 60050

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,310 sqft · built 1940
Lot Size	0.32 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$736,000 (Nov 2024)
Tax Bill	$14,591 (2024)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-25-102-063`

Property Details

APN / Parcel Number

Primary APN	`09-25-102-063`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	5 Half Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,310 sqft Living Area
1st Floor Area	1,564 sqft
Basement Area	1,564 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Lot Area	10,890 sqft (0.32 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Deck Area	1,372 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Well

Location & Zoning

Street Address	1902 ORCHARD BEACH RD
City	MCHENRY
State	IL
Zip	60050-2844
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2024R0031297 LT 61 ORCHARD BEACH MEMO: FORTUNA, JEFFREY FRANK/ KELI CHARISE
Legal Subdivision	ORCHARD BEACH
Legal Lot Number	61
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	1
Census Block	1018
Census Tract	870604

Owner

Source: McHenry County records, as of July 10, 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	1902 ORCHARD BEACH RD, MCHENRY, IL 60050-2844
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
Sep 11, 2025	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK
Nov 3, 2021	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 18, 2020	Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2024 · Amount on Record
Deed Sale	Nov 26, 2024 · Amount on Record
Prior Sale	Mar 18, 2020 · Amount on Record
Deed Document Number	202431297
Prior Transfer Date	Dec 27, 2001
Prior Transfer Doc	0000101100
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Recording Date	Jun 29, 2026
Property Address	1902 ORCHARD BEACH RD, MCHENRY, IL 60050-2844
Document Number	0000018300
Instrument Date	Feb 23, 2026
Instrument	202618300
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	1902 ORCHARD BEACH RD, MCHENRY, IL 60050-2844

Mortgage

Document Number	0000018300,
Date	Jun 29, 2026
Instrument	202618300

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Mar 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1902 ORCHARD BEACH RD, MCHENRY, IL 60050-2844
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024798
Date	Sep 11, 2025
Instrument	2025R0024798

Lender

Name	NORTH SHORE BANK
Type	Bank
Address	MCHENRY, IL 60050

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Aug 15, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Min Rate At Change	4%
Max Rate	19.9%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1902 ORCHARD BEACH RD, MCHENRY, IL 60050-2844
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1902 ORCHARD BEACH RD, MCHENRY, IL 60050-2844

Mortgage

Document Number	0000059740
Date	Nov 3, 2021
Instrument	2021R0059740

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Apr 1, 2050

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 18, 2020
Property Address	1902 ORCHARD BEACH RD, MCHENRY, IL 60050-2844
Document Number	0000009607
Map Reference	MB1 PG50 DOC12452
Instrument Date	Feb 22, 2020
Instrument	2020R0009607
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1902 ORCHARD BEACH RD, MCHENRY, IL 60050-2844

Mortgage

Document Number	0000009608
Date	Mar 18, 2020
Instrument	2020R0009608

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

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	McHenry City
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
2024	$14,591.00	$172,485 (+20.32%) Land $45,849 Building $126,636	$517,455 (+20.32%) Land $137,547 Building $379,908
2022		$143,361 Land $38,107 Building $105,254	$430,083 Land $114,321 Building $315,762

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

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 Record median of 25 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	30 (1978–2017)
Claims Outside the SFHA	6 of 30
Most Recent Claim	Jul 2017 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 4 claims Severe Storms & Flooding, Apr 1993 · 8 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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	MCHENRY serves 22,335 people · EPA ID IL1110600
Water Source	Groundwater
Last State Inspection	May 2023
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	23 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 291 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

May also be available: Verizon.

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