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2305 Truman Trl, McHenry, IL 60051 Property Records

McHenry County property record for 2305 Truman Trl, McHenry, IL 60051

Property Summary

Property TypeSingle Family Home
Lot Size0.354 acres (15,454 sqft)
OwnerTrust Name on File
Last Sale$412,000 (Dec 2021)
Deeds & MortgagesMar 2022 Transfer
Dec 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN09-25-226-026

Property Details

APN / Parcel Number

Primary APN09-25-226-026

Exterior

Lot Area15,454 sqft

Location & Zoning

Street Address2305 TRUMAN TRL
CityMCHENRY
StateIL
Zip60051-3623
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 2021R0068379 LT 69 LIBERTY TRAILS UNIT 2
Legal SubdivisionLIBERTY TRAILS UN 2
Legal Lot Number69
Legal Unit2
JurisdictionMCHENRY IL
Township / Civil DivisionMCHENRY
Census Block Group2
Census Block2056
Census Tract870702

Owner

2305 Truman Trl is held in a trust since March 2022.

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

Owner of RecordTrust Name on File
Owner TypeCompany
VestingTrust

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

DateDocument
Mar 3, 2022Transfer on Death Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Dec 27, 2021Deed, Transfer · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC
Jan 30, 2018Deed of Trust, Mortgage
CRYSTAL LAKE BK&TR

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 27, 2021 · Amount on File
Deed SaleDec 27, 2021 · Amount on File
Deed Document Number0000068379
Last Transfer DateMar 3, 2022
Transfer Doc0000008060
Record UpdatedJun 7, 2026

March 2022: Transfer on Death Deed, Transfer

Document TypeTransfer on Death Deed
JurisdictionMCHENRY IL
Recording DateMar 3, 2022
Property Address2305 TRUMAN TRL, MCHENRY, IL 60051-3623
Document Number0000008060
Map ReferenceDOC 2004R072390
Instrument DateFeb 24, 2022
Instrument2022R0008060
Transaction TypeTransfer
Record UpdatedJun 7, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2305 TRUMAN TRL, 2305, MCHENRY, IL 60051-3623

Transferred To (Grantee/Buyer)

NameVerified Name

December 2021: Deed, Transfer

Document TypeDeed
JurisdictionMCHENRY IL
Recording DateDec 27, 2021
Property Address2305 TRUMAN TRL, MCHENRY, IL 60051-3623
Document Number0000068379
Map ReferenceDOC 2004R072390
Instrument DateNov 4, 2021
Instrument2021R0068379
Transaction TypeTransfer
Record UpdatedJun 7, 2022
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$412.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2305 TRUMAN TRL, MCHENRY, IL 60051-3623

Mortgage

Document Number0000068380
DateDec 27, 2021
Instrument2021R0068380
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueDec 1, 2036
Interest
Rate2.5%

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Property Address2305 TRUMAN TRL, MCHENRY, IL 60051-3623
Document Number0000014434
Instrument DateJan 30, 2018
Transaction TypeMortgage
Record UpdatedAug 28, 2018
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust
Address727 N BANK LN LAKE FOREST IL 600451887, LAKE FOREST, IL 60045-1887

Mortgage

Document Number0000014434
DateMay 4, 2018
Instrument14434
Lender
NameCRYSTAL LAKE BK&TR
TypeBank
AddressCRYSTAL LAKE, IL 60014
Agreement
AmountAmount on Record

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyMcHenry County
County SubdivisionMcHenry Township
MunicipalityMcHenry City
Elementary School DistrictMcHenry Community Consolidated School District 15 (PK - 08)
Secondary School DistrictMcHenry Community High School District 156 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2022Homeowner's exemption$121,528 Land $17,155 Building $104,373$364,584 Land $51,465 Building $313,119

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 2305 Truman Trl in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective February 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies7 in force
Nearby Flood Claims22 (1979–2026)
Claims Outside the SFHA3 of 22
Most Recent ClaimApr 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

Wildfire risk around 2305 Truman Trl 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 RiskLow
lower than 94% of the US · lower than 65% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemMCHENRY
serves 22,335 people · EPA ID IL1110600
Water SourceGroundwater
Last State InspectionMay 2023
Lead7 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting23
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

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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