McHenry County property record for 220 Bay Rd, McHenry, IL 60051
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,590 sqft · built 1962 |
| Lot Size | 0.33 acres (14,382 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Nov 2018) |
| Tax Bill | $7,411 (2024) |
| Deeds & Mortgages | Aug 2026 Transfer Jun 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-20-280-026 |
| Primary APN | 10-20-280-026 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 3 Half Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,590 sqft Living Area |
| 1st Floor Area | 1,590 sqft |
| Basement Area | 1,590 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Construction Type | Frame |
| Lot Area | 14,382 sqft (0.33 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 220 BAY RD |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60051-9698 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2024R0022399 LTS 9 & 10 BLK 4 WORTHMOOR ESTATES |
| Legal Subdivision | WORTHMOOR ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 9,10 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | MCHENRY |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 870702 |
220 Bay Rd is owned and occupied by an individual who acquired it in August 2026.
Source: McHenry County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 220 BAY RD, MCHENRY, IL 60051-9698 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
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 |
|---|---|
| Aug 11, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 1, 2023 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Nov 26, 2018 | Deed, Transfer · FHA Mortgage QUICKEN LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 26, 2018 · Amount on File |
| Deed Sale | Nov 26, 2018 · Amount on File |
| Prior Sale | Jun 24, 1994 · Amount on File |
| Deed Document Number | 201839891 |
| Last Transfer Date | Aug 10, 2026 |
| Transfer Doc | 0000023130 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Aug 11, 2026 |
| Property Address | 220 BAY RD, MCHENRY, IL 60051-9698 |
| Document Number | 0000023130 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 202623130 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 220 BAY RD, MCHENRY, IL 60051-9698 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 220 BAY RD, MCHENRY, IL 60051-9698 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000012779 |
|---|---|
| Date | Jun 1, 2023 |
| Instrument | 2023R0012779 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.25% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Nov 26, 2018 |
| Property Address | 220 BAY RD, MCHENRY, IL 60051-9698 |
| Document Number | 0000039891 |
| Map Reference | DOC253360 MB11 PG53 |
| Instrument Date | Oct 15, 2018 |
| Instrument | 2018R0039891 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | HERITAGE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $262.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 220 BAY RD, MCHENRY, IL 60051-9698 |
| Document Number | 0000039892 |
|---|---|
| Date | Nov 26, 2018 |
| Instrument | 2018R0039892 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
| Change Frequency | 2 Years |
Source: McHenry County assessment roll, as of March 27, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $7,411.00 | $108,665 Land $18,129 Building $90,536 | $325,995 Land $54,387 Building $271,608 |
| 2022 | Homeowner's exemption | $90,317 Land $15,068 Building $75,249 | $270,951 Land $45,204 Building $225,747 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 220 Bay Rd in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 28 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 38 (1979–2026) |
| Claims Outside the SFHA | 3 of 38 |
| 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 220 Bay Rd 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 99.8% of the US · lower than 99.8% of Illinois |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 95 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 Fixed Wireless · DSL | 100 / 20 |
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