McHenry County property record for 209 S Emerald Dr, McHenry, IL 60051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 6 ba · 3,319 sqft · built 1999 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Trust Name on File |
| Last Sale | $910,000 (Sep 2025) |
| Tax Bill | $14,640 (2024) |
| Deeds & Mortgages | Nov 2025 Mortgage Sep 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-01-126-011 |
| Primary APN | 14-01-126-011 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 4 Half Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,319 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 988 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 1,156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 209 S EMERALD DR |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60051-9349 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2020R0045025 LT 12 EMERALD PARK |
| Legal Range | 08E |
| Legal Township | 44N |
| Legal Section | 01 |
| Legal Subdivision | EMERALD PARK |
| Legal Tract | 1 |
| Legal Block | 126 |
| Legal Lot Number | 12 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | NUNDA |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 870811 |
209 S Emerald Dr is owner-occupied and held in a trust since September 2025.
Source: McHenry County records, as of September 24, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 209 S EMERALD DR, MCHENRY, IL 60051-9349 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CIBC BANK USA |
| Sep 12, 2025 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Oct 27, 2020 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2025 · Amount on File |
| Deed Sale | Sep 12, 2025 · Amount on File |
| Prior Sale | Oct 27, 2020 · Amount on File |
| Deed Document Number | 2025R0024970 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 209 S EMERALD DR, MCHENRY, IL 60051-9349 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 1152 LUCERNE AVE, CAPE CORAL, FL 33904-5939 |
| Document Number | 0000031716 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 2025R0031716 |
| Name | CIBC BANK USA |
|---|---|
| Type | Bank |
| Address | WORTH, IL 60482 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.2% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Sep 12, 2025 |
| Property Address | 209 S EMERALD DR, MCHENRY, IL 60051-9349 |
| Document Number | 0000024970 |
| Map Reference | DOC10881 MB1 PG46 |
| Instrument Date | Aug 28, 2025 |
| Instrument | 2025R0024970 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $910.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 209 S EMERALD DR, MCHENRY, IL 60051-9349 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Oct 27, 2020 |
| Property Address | 209 S EMERALD DR, MCHENRY, IL 60051-9349 |
| Document Number | 0000045025 |
| Map Reference | 10881 MB 1 P0G 46 |
| Instrument Date | Sep 16, 2020 |
| Instrument | 2020R0045025 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $595.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 209 S EMERALD DR, MCHENRY, IL 60051-9349 |
| Document Number | 0000045026 |
|---|---|
| Date | Oct 27, 2020 |
| Instrument | 2020R0045026 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
Source: McHenry County assessment roll, as of January 1, 2024
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Nunda Township |
| Elementary School District | McHenry Community Consolidated School District 15 (PK - 08) |
| Secondary School District | McHenry Community High School District 156 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $14,640.00 Homeowner's exemption | $192,018 Land $50,219 Building $141,799 | $576,054 Land $150,657 Building $425,397 |
| 2022 | Homeowner's exemption | $149,145 Land $41,184 Building $107,961 | $447,435 Land $123,552 Building $323,883 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 209 S Emerald Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 File median of 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 53 (1978–2026) |
| Claims Outside the SFHA | 4 of 53 |
| Most Recent Claim | Apr 2026 · rainfall accumulation |
| Claims by Event |
|
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 risk around 209 S Emerald Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · above 42% 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 88 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures