1915 Birch Ln, McHenry, IL 60051 Property Records

McHenry County property record for 1915 Birch Ln, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,374 sqft · built 1995
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$237,000 (Jan 2007)
Tax Bill	$6,505 (2024)
Deeds & Mortgages	Aug 2023 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-203-004`

Property Details

APN / Parcel Number

Primary APN	`09-26-203-004`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	4 Stories
Building Area	1,374 sqft Living Area
1st Floor Area	1,374 sqft
Basement Area	408 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	80 ft deep x 125 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	1915 BIRCH LN
City	MCHENRY
State	IL
Zip	60051-2686
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2008R0027717 LT 24 OAKS OF MCHENRY PHASE 1
Legal Subdivision	OAKS OF MCHENRY PHASE 1
Legal Phase	1
Legal Block	203
Legal Lot Number	24
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	3
Census Block	3020
Census Tract	870604

Owner

1915 Birch Ln is owned and occupied by two individuals who bought it in January 2007.

Source: McHenry County records, as of July 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1915 BIRCH LN, MCHENRY, IL 60051-2686
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jun 1, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 3, 2019	Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK
Sep 3, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2007 · Amount on File
Deed Sale	Jan 3, 2007 · Amount on File
Prior Sale	Nov 9, 1995 · Amount on File
Deed Document Number	2007389
Prior Transfer Date	Nov 1, 1995
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1915 BIRCH LN, MCHENRY, IL 60051-2686
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1915 BIRCH LN, MCHENRY, IL 60051-2686

Mortgage

Document Number	0000018636
Date	Aug 1, 2023
Instrument	2023R0018636

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Jul 1, 2063

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1915 BIRCH LN, MCHENRY, IL 60051-2686
Transaction Type	Mortgage
Record Updated	Jun 10, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1915 BIRCH LN, MCHENRY, IL 60051-2686

Mortgage

Document Number	0000019509
Date	Jun 1, 2022
Instrument	2022R0019509

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Apr 1, 2052

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCHENRY IL
Property Address	1915 BIRCH LN, MCHENRY, IL 60051-2686
Document Number	0000033489
Instrument Date	Sep 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1915 BIRCH LN MCHENRY IL 600512686, MCHENRY, IL 60051-2686

Mortgage

Document Number	0000033489
Date	Oct 7, 2019
Instrument	33489

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1915 BIRCH LN, MCHENRY, IL 60051-2686
Document Number	0000032872
Instrument Date	Sep 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1915 BIRCH LN MCHENRY IL 600512686, MCHENRY, IL 60051-2686

Mortgage

Document Number	0000032872
Date	Oct 2, 2019
Instrument	32872

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

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	$6,505.00	$84,900 Land $17,601 Building $67,299	$254,700 Land $52,803 Building $201,897
2022	Homeowner's exemption	$70,565 Land $14,629 Building $55,936	$211,695 Land $43,887 Building $167,808

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 1915 Birch Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 28, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1915 Birch 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 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 194 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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