20915 Ratfield Rd, Marengo, IL 60152 Property Records

McHenry County property record for 20915 Ratfield Rd, Marengo, IL 60152

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,424 sqft · built 2005
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Sep 2023)
Tax Bill	$6,517 (2024)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jan 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`16-01-351-002`

Property Details

APN / Parcel Number

Primary APN	`16-01-351-002`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	3,424 sqft Living Area
Gross Area	3,974 sqft
Basement Area	1,024 sqft
Finished Basement	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	20915 RATFIELD RD
City	MARENGO
State	IL
Zip	60152-9116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2023R0022035 LT 2 MANOR HILL SUB
Legal Subdivision	MANOR HILL SUB
Legal Block	351
Legal Lot Number	2
Jurisdiction	MCHENRY IL
Township / Civil Division	RILEY
Census Block Group	3
Census Block	3026
Census Tract	871004

Owner

20915 Ratfield Rd is owned by an individual who bought it in September 2023.

Source: McHenry County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	204 ASPEN CIR, GILBERTS, IL 60136-4016
Owner Type	Individual
Vesting	Married

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
Sep 5, 2023	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Jan 18, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2023 · Amount on File
Deed Sale	Sep 5, 2023 · Amount on File
Prior Sale	Jul 12, 2011 · Amount on File
Deed Document Number	202322035
Prior Transfer Date	Jan 15, 2017
Prior Transfer Doc	0000002087
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 5, 2023
Property Address	20915 RATFIELD RD, MARENGO, IL 60152-9116
Document Number	0000022035
Map Reference	DOC 95R18792
Instrument Date	Aug 31, 2023
Instrument	2023R0022035
Transaction Type	Transfer
Record Updated	Sep 18, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20915 RATFIELD RD, MARENGO, IL 60152-9116
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022036
Date	Sep 5, 2023
Instrument	2023R0022036

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.37%

Mortgage

Document Number	0000022037
Date	Sep 5, 2023
Instrument	2023R0022037

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 1, 2028

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Jan 18, 2017
Property Address	20915 RATFIELD RD, MARENGO, IL 60152-9116
Document Number	0000002087
Instrument Date	Jan 17, 2017
Instrument	2087
Transaction Type	Transfer
Record Updated	May 18, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20915 RATFIELD RD MARENGO IL 601529116, MARENGO, IL 60152-9116

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Riley Township
Secondary School District	Marengo Community High School District 154 (09 - 12)
Elementary School District	Riley Community Consolidated School District 18 (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$6,517.00	$130,290 Land $11,020 Building $119,270	$390,870 Land $33,060 Building $357,810
2022	Homeowner's exemption	$106,457 Land $9,004 Building $97,453	$319,371 Land $27,012 Building $292,359

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 20915 Ratfield Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1983–2009)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2009 · river or lake flooding

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 20915 Ratfield Rd 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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Rise Broadband Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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