2004 Black Oak Dr, McHenry, IL 60050 Property Records

McHenry County property record for 2004 Black Oak Dr, McHenry, IL 60050

Property Summary

Property Type	Single Family Home
Details	4 bd · 7 ba · 3,541 sqft · built 2004
Lot Size	1.53 acres (66,647 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Aug 2015)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-30-176-001`

Property Details

APN / Parcel Number

Primary APN	`09-30-176-001`

Interior

Bedrooms	4 Beds
Full Baths	7 Baths
Half Baths	4 Half Baths
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,541 sqft Living Area
Gross Area	6,275 sqft
1st Floor Area	2,261 sqft
Basement Area	1,789 sqft
Finished Basement	1,430 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	66,647 sqft
Garage Area	1,764 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	600 sqft
Deck Area	280 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2004 BLACK OAK DR
City	MCHENRY
State	IL
Zip	60050-6534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2015R0031263 LT 42 BULL RIDGE SUB
Legal Range	08E
Legal Township	45N
Legal Section	30
Legal Subdivision	BULL RIDGE
Legal Block	176
Legal Lot Number	42
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	1
Census Block	1017
Census Tract	870501

Owner

2004 Black Oak Dr is owned and occupied by two individuals who bought it in August 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	2004 BLACK OAK DR, MCHENRY, IL 60050-6534
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
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 10, 2017	Deed of Trust, Mortgage · Conventional with PMI ALPINE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2015 · Amount on File
Deed Sale	Aug 19, 2015 · Amount on File
Prior Sale	Oct 30, 2013
Deed Document Number	2015R0031263
Record Updated	Jun 7, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	2004 BLACK OAK DR, MCHENRY, IL 60050-6534
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005361
Date	Jan 28, 2021
Instrument	2021R0005361

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.25%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	2004 BLACK OAK DR, MCHENRY, IL 60050-6534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027122
Date	Jul 20, 2020
Instrument	2020R0027122

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2035

Interest

Rate Type	Fixed Rate
Rate	3%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	2004 BLACK OAK DR, MCHENRY, IL 60050-6534
Document Number	0000009512
Instrument Date	Mar 10, 2017
Transaction Type	Mortgage
Record Updated	May 25, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2004 BLACK OAK DR MCHENRY IL 600506534, MCHENRY, IL 60050-6534

Mortgage

Document Number	0000009512
Date	Mar 17, 2017
Instrument	9512

Lender

Name	ALPINE BK&TR
Type	Bank
Address	ROCKFORD, IL 61107

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Mar 16, 2032

Interest

Rate Type	Fixed Rate
Rate	3.37%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	McHenry Township
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
2022	Homeowner's exemption Additional exemption filed	$159,995 Land $29,218 Building $130,777	$479,985 Land $87,654 Building $392,331

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

Flood

FEMA maps place 2004 Black Oak Dr 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 2004 Black Oak Dr is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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