23909 Lawrence Rd, Harvard, IL 60033 Property Records

McHenry County property record for 23909 Lawrence Rd, Harvard, IL 60033

Property Summary

Property Type	Single Family Home
Lot Size	6 acres (261,360 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Mar 2024)
Tax Bill	$3,461 (2024)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-16-300-004`

Property Details

APN / Parcel Number

Primary APN	`01-16-300-004`

Exterior

Lot Area	261,360 sqft (6 acres)

Location & Zoning

Street Address	23909 LAWRENCE RD
City	HARVARD
State	IL
Zip	60033-8876
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2024R0006383 N 373.39FT E 700FT W1/2 SW1/4 MEMO: BERNAL, DAMIAN BERNAL/ESQUIVEL, REYNA
Legal Tract	1
Jurisdiction	MCHENRY IL
Township / Civil Division	CHEMUNG
Census Block Group	1
Census Block	1009
Census Tract	870301

Owner

Source: McHenry County records · APN 01-16-300-004

Assessment roll updated June 30, 2025 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	606 N HOWARD ST, HARVARD, IL 60033-2362
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Line of Credit ADVIA CU
Mar 18, 2024	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA
Jul 03, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 18, 2024 · Amount on Record
Deed Sale	Mar 18, 2024 · Amount on Record
Prior Sale	Dec 30, 2010 · Amount on Record
Deed Document Number	20246383
Prior Transfer Date	Jun 29, 2017
Prior Transfer Doc	0000024098
Record Updated	Jun 08, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	23909 LAWRENCE RD, HARVARD, IL 60033-8876
Transaction Type	Mortgage
Record Updated	Apr 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008325
Date	Mar 30, 2026
Instrument	2026R0008325

Lender

Name	ADVIA CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 29, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 18, 2024
Property Address	23909 LAWRENCE RD, HARVARD, IL 60033-8876
Document Number	0000006383
Instrument Date	Feb 16, 2024
Instrument	2024R0006383
Transaction Type	Transfer
Record Updated	Mar 29, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2004 ISLAND RD, HARVARD, IL 60033-9635

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	23909 LAWRENCE RD, HARVARD, IL 60033-8876

Mortgage

Document Number	0000006384
Date	Mar 18, 2024
Instrument	2024R0006384

Lender

Name	FIRST NATIONAL BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 05, 2054

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Jul 03, 2017
Property Address	23909 LAWRENCE RD, HARVARD, IL 60033-8876
Document Number	0000024098
Instrument Date	Jun 29, 2017
Instrument	24098
Transaction Type	Transfer
Record Updated	Jul 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 ISLAND RD HARVARD IL 600339635, HARVARD, IL 60033-9635

Tax Assessment & Valuation

Source: McHenry County records · Assessment roll updated June 30, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Chemung Township
Unified School District	Harvard Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$3,461.00	$49,231 (+38.67%) Land $5,312 Building $43,919	$147,693 (+38.67%) Land $15,936 Building $131,757
2022		$35,503 Land $14,526 Building $20,977	$106,509 Land $43,578 Building $62,931

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 28, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Feb 1985 · tidal / storm surge

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
JAB Wireless Fixed Wireless	50 / 10
Verizon Fixed Wireless	25 / 6
T-Mobile USA Fixed Wireless	25 / 3
AT&T Fixed Wireless	25 / 3

Based on FCC filings for 2 locations within half a mile of this property.

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