McHenry County property record for 2118 Colby Dr, McHenry, IL 60050
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,460 sqft · built 1986 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Mar 2020) |
| Tax Bill | $7,378 (2024) |
| Deeds & Mortgages | Aug 2026 Line of Credit Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 14-13-227-009 |
| Primary APN | 14-13-227-009 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 3 Half Baths |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,460 sqft Living Area |
| 1st Floor Area | 820 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Detached |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2118 COLBY DR |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60050-7118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2020R0011202 LT 10 COLBY POINT SUB |
| Legal Subdivision | COLBY POINT SUB |
| Legal Block | 227 |
| Legal Lot Number | 10 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | NUNDA |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 870810 |
2118 Colby Dr is owned and occupied by an individual who bought it in March 2020.
Source: McHenry County records, as of September 14, 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 | Individual Name on File |
|---|---|
| Mailing Address | 2118 COLBY DR, MCHENRY, IL 60050-7118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Dec 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Mar 31, 2020 | Warranty Deed, Transfer · Balloon Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 31, 2020 · Amount on File |
| Deed Sale | Mar 31, 2020 · Amount on File |
| Prior Sale | Jan 9, 2013 · Amount on File |
| Deed Document Number | 202011202 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Aug 31, 2026 |
| Property Address | 2118 COLBY DR, MCHENRY, IL 60050-7118 |
| Document Number | 0000025259 |
| Instrument Date | Aug 18, 2026 |
| Instrument | 202625259 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 2118 COLBY DR, MCHENRY, IL 60050-7118 |
| Document Number | 0000025259, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 202625259 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 2118 COLBY DR, MCHENRY, IL 60050-7118 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000052887 |
|---|---|
| Date | Dec 4, 2020 |
| Instrument | 2020R0052887 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 1, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Mar 31, 2020 |
| Property Address | 2118 COLBY DR, MCHENRY, IL 60050-7118 |
| Document Number | 0000011202 |
| Map Reference | DOC492574 MB 4 PG 24 |
| Instrument Date | Mar 23, 2020 |
| Instrument | 2020R0011202 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2118 COLBY DR, MCHENRY, IL 60050-7118 |
| Document Number | 0000011203 |
|---|---|
| Date | Mar 31, 2020 |
| Instrument | 2020R0011203 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Change Frequency | Monthly |
Source: McHenry County assessment roll, as of June 30, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Nunda Township |
| Secondary School District | Community High School District 155 (09 - 12) |
| Elementary School District | Prairie Grove Community School District 46 (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $7,378.00 | $100,435 (+21.94%) Land $41,025 Building $59,410 | $301,305 (+21.94%) Land $123,075 Building $178,230 |
| 2022 | Homeowner's exemption | $82,366 Land $33,644 Building $48,722 | $247,098 Land $100,932 Building $146,166 |
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.
FEMA maps place 2118 Colby Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 52 (1978–2026) |
| Claims Outside the SFHA | 4 of 52 |
| Most Recent Claim | Apr 2026 · river or lake flooding |
| 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 2118 Colby 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 80% of the US · above 71% 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 56 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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