1976 Cedar Ln, Spring Grove, IL 60081 Property Records

McHenry County property record for 1976 Cedar Ln, Spring Grove, IL 60081

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,207 sqft · built 2006
Lot Size	1.08 acres (47,359 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Oct 2018)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-30-352-009`

Property Details

APN / Parcel Number

Primary APN	`05-30-352-009`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	3,207 sqft Living Area
Basement Area	2,282 sqft

Exterior

Year Built	Built 2006
Lot Area	47,359 sqft (1.08 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	1976 CEDAR LN
City	SPRING GROVE
State	IL
Zip	60081-7926
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2018R0033549 LT 44 RED OAK ESTS
Legal Subdivision	RED OAK ESTS
Legal Lot Number	44
Jurisdiction	MCHENRY IL
Township / Civil Division	BURTON
Census Block Group	2
Census Block	2058
Census Tract	870105

Owner

1976 Cedar Ln is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1976 CEDAR LN, SPRING GROVE, IL 60081-7926
Occupancy	Owner Occupied
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
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU
Jul 2, 2021	Deed of Trust, Mortgage · ARM BAXTER CU
Oct 1, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 26, 2018	Quit Claim Deed, Transfer · Commercial Mortgage BLACKHAWK BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2018 · Amount on File
Deed Sale	Oct 1, 2018 · Amount on File
Prior Sale	Feb 26, 2018
Deed Document Number	2018R0033549
Record Updated	Jun 7, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1976 CEDAR LN, SPRING GROVE, IL 60081-7926
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049279
Date	Nov 16, 2020
Instrument	2020R0049279

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	GURNEE, IL 60031

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1976 CEDAR LN, SPRING GROVE, IL 60081-7926
Transaction Type	Mortgage
Record Updated	Jul 14, 2021
Title Company	MIS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036424
Date	Jul 2, 2021
Instrument	2021R0036424

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	ARM
Amount	Amount on Record
Term	240 Months
Due	Jun 30, 2041

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	5.75%
Index	12-Month MTA
Max Rate	8.75%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Oct 1, 2018
Property Address	1976 CEDAR LN, SPRING GROVE, IL 60081-7926
Document Number	0000033549
Map Reference	DOC2005R0095424
Instrument Date	Sep 25, 2018
Instrument	2018R0033549
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$585.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1976 CEDAR LN, SPRING GROVE, IL 60081-7926

Mortgage

Document Number	0000033550
Date	Oct 1, 2018
Instrument	2018R0033550

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Feb 26, 2018
Property Address	1976 CEDAR LN, SPRING GROVE, IL 60081-7926
Document Number	0000005885
Map Reference	DOC2005R0095424
Instrument Date	Dec 22, 2017
Instrument	2018R0005885
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1976 CEDAR LN, SPRING GROVE, IL 60081-7926

Mortgage

Document Number	0000005886
Date	Feb 26, 2018
Instrument	2018R0005886

Lender

Name	BLACKHAWK BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000005890
Date	Feb 26, 2018
Instrument	2018R0005890

Lender

Name	BLACKHAWK BANK
Type	Bank
Address	ROCKFORD, IL 61107

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Burton Township
Municipality	Spring Grove Village
Elementary School District	Nippersink School District 2 (KG - 08)
Secondary School District	Richmond-Burton Community High School District 157 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$147,169 Land $14,236 Building $132,933	$441,507 Land $42,708 Building $398,799

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 1976 Cedar Ln in Zone X, an area of minimal flood risk.

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	6 in force

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 1976 Cedar 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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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