2414 Sterling Dr, McHenry, IL 60050 Property Records

McHenry County property record for 2414 Sterling Dr, McHenry, IL 60050

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,164 sqft · built 1948
Lot Size	0.174 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$159,000 (Feb 2005)
Tax Bill	$4,168 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-24-330-012`

Property Details

APN / Parcel Number

Primary APN	`09-24-330-012`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,164 sqft Living Area
1st Floor Area	804 sqft
Basement Area	804 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,405 sqft (0.174 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Area	221 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2414 STERLING DR
City	MCHENRY
State	IL
Zip	60050-2881
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2005R0014474 LT 22 BLK 5 SHALIMAR SUB MEMO: JACKSON, RYAN C/RICE, MELISSA A
Legal Subdivision	SHALIMAR
Legal Block	5
Legal Lot Number	22
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	1
Census Block	1042
Census Tract	870604

Owner

2414 Sterling Dr is owned and occupied by two individuals who bought it in February 2005.

Source: McHenry County records, as of June 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2414 STERLING DR, MCHENRY, IL 60050-2881
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage · Line of Credit HOME STATE BANK
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOME STATE BANK NA
Mar 3, 2020	Deed of Trust, Mortgage · Line of Credit HOME STATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2005 · Amount on File
Deed Sale	Feb 25, 2005 · Amount on File
Prior Sale	Jun 27, 2002 · Amount on File
Deed Document Number	200514474
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Recording Date	Apr 10, 2026
Property Address	2414 STERLING DR, MCHENRY, IL 60050-2881
Document Number	0000009620
Instrument Date	Apr 6, 2026
Instrument	20269620
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2414 STERLING DR, MCHENRY, IL 60050-2881
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009620,
Date	Apr 10, 2026
Instrument	20269620

Lender

Name	HOME STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2056

Interest

Rate	6%
Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	2414 STERLING DR, MCHENRY, IL 60050-2881
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035447
Date	Oct 21, 2019
Instrument	2019R0035447

Lender

Name	HOME STATE BANK NA
Type	Bank
Address	CRYSTAL LAKE, IL 60014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.62%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	2414 STERLING DR, MCHENRY, IL 60050-2881
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007620
Date	Mar 3, 2020
Instrument	2020R0007620

Lender

Name	HOME STATE BANK NA
Type	Bank
Address	CRYSTAL LAKE, IL 60014

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Change Frequency	Monthly
Min Rate At Change	3.75%
Max Rate	18%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	McHenry Township
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
2024	$4,168.00	$60,120 Land $8,736 Building $51,384	$180,360 Land $26,208 Building $154,152
2022	Homeowner's exemption	$49,969 Land $7,261 Building $42,708	$149,907 Land $21,783 Building $128,124

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 2414 Sterling Dr in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 25 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	30 (1978–2017)
Claims Outside the SFHA	6 of 30
Most Recent Claim	Jul 2017 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 4 claims Severe Storms & Flooding, Apr 1993 · 8 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 2414 Sterling Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 189 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
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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