2207 Truman Trl, McHenry, IL 60051 Property Records

McHenry County property record for 2207 Truman Trl, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Lot Size	0.481 acres (20,991 sqft)
Owner	Individual Name on Record
Last Sale	$394,000 (Jan 2020)
Deeds & Mortgages	Oct 2023 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-25-226-021`

Property Details

APN / Parcel Number

Primary APN	`09-25-226-021`

Exterior

Lot Area	20,991 sqft

Location & Zoning

Street Address	2207 TRUMAN TRL
City	MCHENRY
State	IL
Zip	60051-3619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0000861 LT 64 LIBERTY TRAILS UNIT 2
Legal Subdivision	LIBERTY TRAILS UN 2
Legal Lot Number	64
Legal Unit	2
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	2
Census Block	2056
Census Tract	870702

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2207 TRUMAN TRL, MCHENRY, IL 60051-3619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage GREAT LAKES HOME MORTGAGE INC
Jan 8, 2020	Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB
Jan 30, 2018	Deed of Trust, Mortgage CRYSTAL LAKE BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2020 · Amount on Record
Deed Sale	Jan 8, 2020 · Amount on Record
Deed Document Number	2020R0000861
Record Updated	Jun 7, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	2207 TRUMAN TRL, MCHENRY, IL 60051-3619
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024961
Date	Oct 3, 2023
Instrument	2023R0024961

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	2207 TRUMAN TRL, MCHENRY, IL 60051-3619
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003024
Date	Jan 24, 2022
Instrument	2022R0003024

Lender

Name	GREAT LAKES HOME MORTGAGE INC
Type	Mortgage Company
Address	LIBERTYVILLE, IL 60048

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Jan 8, 2020
Property Address	2207 TRUMAN TRL, MCHENRY, IL 60051-3619
Document Number	0000000861
Map Reference	DOC 2004R0072390
Instrument Date	Dec 3, 2019
Instrument	2020R0000861
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$591.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 TRUMAN TRL, MCHENRY, IL 60051-3619

Mortgage

Document Number	0000000862
Date	Jan 8, 2020
Instrument	2020R0000862

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	2207 TRUMAN TRL, MCHENRY, IL 60051-3619
Document Number	0000014434
Instrument Date	Jan 30, 2018
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	727 N BANK LN LAKE FOREST IL 600451887, LAKE FOREST, IL 60045-1887

Mortgage

Document Number	0000014434
Date	May 4, 2018
Instrument	14434

Lender

Name	CRYSTAL LAKE BK&TR
Type	Bank
Address	CRYSTAL LAKE, IL 60014

Agreement

Amount	Amount Recorded

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
Municipality	McHenry City
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	$124,959 Land $19,197 Building $105,762	$374,877 Land $57,591 Building $317,286

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

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	22 (1979–2026)
Claims Outside the SFHA	3 of 22
Most Recent Claim	Apr 2026 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 6 claims Severe Storms & Flooding, Jun 1993 · 3 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MCHENRY serves 22,335 people · EPA ID IL1110600
Water Source	Groundwater
Last State Inspection	May 2023
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	23 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 262 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

May also be available: Verizon.

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