221 3rd St, Crystal Lake, IL 60014 Property Records

McHenry County property record for 221 3rd St, Crystal Lake, IL 60014

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,366 sqft · built 1875
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Sep 2023)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-32-427-017`

Property Details

APN / Parcel Number

Primary APN	`14-32-427-017`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,366 sqft Living Area
Gross Area	3,360 sqft
Basement Area	1,120 sqft

Exterior

Year Built	Built 1875
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	16,553 sqft (0.38 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	294 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	221 3RD ST
City	CRYSTAL LAKE
State	IL
Zip	60014-4336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2015R0022323 LT 7 & N1/2 LT 10 BLK 7 ORIG PLAT NUNDA MEMO: HALL, CHARLES G/PROPP, JENNIFER M
Legal Subdivision	CRYSTAL LAKE
Legal Block	7
Legal Lot Number	7,10
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	1
Census Block	1041
Census Tract	870808

Owner

221 3rd St is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	221 3RD ST, CRYSTAL LAKE, IL 60014-4336
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2023 · Amount on File
Deed Sale	Sep 15, 2023 · Amount on File
Prior Sale	Jun 22, 2015 · Amount on File
Deed Document Number	2023R0023220
Record Updated	Jun 7, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 15, 2023
Property Address	221 3RD ST, CRYSTAL LAKE, IL 60014-4336
Document Number	0000023220
Map Reference	MB 43 PG 296
Instrument Date	Sep 12, 2023
Instrument	2023R0023220
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	221 3RD ST, CRYSTAL LAKE, IL 60014-4336

Mortgage

Document Number	0000023221
Date	Sep 15, 2023
Instrument	2023R0023221

Lender

Name	CIBM BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2022

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Nunda Township
Municipality	Crystal Lake City
Elementary School District	Crystal Lake Community Consolidated School District 47 (PK - 08)
Secondary School District	Community High School District 155 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$101,495 Land $17,975 Building $83,520	$304,485 Land $53,925 Building $250,560

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 221 3rd St in Zone X, an area of minimal flood risk.

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	1 in force

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 221 3rd St 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 98% of the US · lower than 86% 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.

Drinking Water

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

Water System	CRYSTAL LAKE serves 40,661 people · EPA ID IL1110150
Water Source	Groundwater
Last State Inspection	Sep 2024
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	12 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 349 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 Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20