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2321 Truman Trl, McHenry, IL 60051 Property Records

McHenry County property record for 2321 Truman Trl, McHenry, IL 60051

Property Summary

Property TypeResidential Vacant Land
Lot Size0.352 acres (15,346 sqft)
OwnerIndividual Name on Record
Last Sale$457,500 (Dec 2022)
Deeds & MortgagesDec 2022 Sale & Mortgage
Jan 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN09-25-204-017

Property Details

APN / Parcel Number

Primary APN09-25-204-017

Exterior

Lot Area15,346 sqft

Location & Zoning

Street Address2321 TRUMAN TRL
CityMCHENRY
StateIL
Zip60051-3623
Property CategoryResidential
Property TypeVacant Land > Residential
Legal DescriptionDOC 2022R0039947 LT 73 LIBERTY TRAILS UNIT 2 MEMO: CERNIVEC, MICHAEL VINCENT/ POCIASK, KACIE
Legal SubdivisionLIBERTY TRAILS UN 2
Legal Lot Number73
Legal Unit2
JurisdictionMCHENRY IL
Township / Civil DivisionMCHENRY
Census Block Group2
Census Block2056
Census Tract870702

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address2321 TRUMAN TRL, MCHENRY, IL 60051-3623
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 1, 2022Deed, Transfer · Conventional Mortgage
THE HUNTINGTON NATIONAL BANK
Jan 30, 2018Deed of Trust, Mortgage
CRYSTAL LAKE BK&TR

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 1, 2022 · Amount on Record
Deed SaleDec 1, 2022 · Amount on Record
Deed Document Number0000039947
Record UpdatedJun 7, 2026

December 2022: Deed, Transfer

Document TypeDeed
JurisdictionMCHENRY IL
Recording DateDec 1, 2022
Property Address2321 TRUMAN TRL, MCHENRY, IL 60051-3623
Document Number0000039947
Map ReferenceDOC 2004R072390
Instrument DateOct 12, 2022
Instrument2022R0039947
Transaction TypeTransfer
Record UpdatedJun 6, 2023
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$457.50
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
Address2703 BUSH TER, MCHENRY, IL 60051-3609

Mortgage

Document Number0000039948
DateDec 1, 2022
Instrument2022R0039948
Lender
NameTHE HUNTINGTON NATIONAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2052
Interest
Rate TypeAdjustable Rate
Rate3.75%
AdjustableAdjustable Rate Rider
Type Change DateDec 1, 2037
Change Frequency6 Months
Min Rate At Change3%
Max Rate At Change9.75%
IndexOther
Margin3
Max Rate8.75%

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Property Address2321 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 Recorded

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

YearAssessed ValueAssessed Market Value
2022$6 Land $6$18 Land $18

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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

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

Wildfire RiskLow
lower than 98% of the US · lower than 86% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 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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