25105 Graf Rd, Harvard, IL 60033 Property Records

McHenry County property record for 25105 Graf Rd, Harvard, IL 60033

Property Summary

Property Type	Rural Home
Lot Size	80 acres (3,484,800 sqft)
Owner	Trust Name on File
Last Sale	$470,000 (Apr 2017)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-400-002`

Property Details

APN / Parcel Number

Primary APN	`01-19-400-002`

Exterior

Lot Area	3,484,800 sqft (80 acres)

Location & Zoning

Street Address	25105 GRAF RD
City	HARVARD
State	IL
Zip	60033-8913
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DOC 2018R0024320 E1/2 SE1/4 MEMO: DOWELL, CHARLES F/ ROXANN G JNT TEN TR
Legal Range	05E
Legal Township	46N
Legal Section	19
Legal Block	400
Jurisdiction	MCHENRY IL
Township / Civil Division	CHEMUNG
Census Block Group	2
Census Block	2004
Census Tract	870301

Owner

25105 Graf Rd, a rural home, is owner-occupied and held in a trust since July 2018.

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

Owner of Record	Trust Name on File
Mailing Address	25105 GRAF RD, HARVARD, IL 60033-8913
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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

Date	Document
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAUK VALLEY BANK & TRUST COMPANY
Dec 12, 2019	Deed of Trust, Mortgage · Line of Credit STATE BANK
Jul 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 12, 2017	Grant Deed, Transfer HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2017 · Amount on File
Deed Sale	Apr 12, 2017 · Amount on File
Prior Sale	Jun 2, 2017
Deed Document Number	0000012845
Last Transfer Date	Jul 20, 2018
Transfer Doc	0000024320
Record Updated	Jun 7, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	25105 GRAF RD, HARVARD, IL 60033-8913
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031427
Date	Jun 10, 2021
Instrument	2021R0031427

Lender

Name	SAUK VALLEY BANK & TRUST COMPANY
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	May 1, 2036

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	25105 GRAF RD, HARVARD, IL 60033-8913
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042764
Date	Dec 12, 2019
Instrument	2019R0042764

Lender

Name	STATE BANK
Type	Bank
Address	HARVARD, IL 60033

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Min Rate At Change	4%
Max Rate	18%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Jul 20, 2018
Property Address	25105 GRAF RD, HARVARD, IL 60033-8913
Document Number	0000024320
Instrument Date	Jul 13, 2018
Instrument	24320
Transaction Type	Transfer
Record Updated	Aug 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	25105 GRAF RD HARVARD IL 600338913, HARVARD, IL 60033-8913

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 12, 2017
Property Address	25105 GRAF RD, HARVARD, IL 60033-8913
Document Number	0000012845
Instrument Date	Apr 5, 2017
Instrument	12845
Transaction Type	Transfer
Record Updated	Jun 9, 2017
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transaction

Amount	Amount on Record
Tax	$705.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8505 WHITE OAKS RD HARVARD IL 600338310, HARVARD, IL 60033-8310

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$83,877 Land $37,283 Building $46,594	$251,631 Land $111,849 Building $139,782

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 25105 Graf Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1993.

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	3 in force
Nearby Flood Claims	8 (1993–2013)
Most Recent Claim	Jun 2013 · rainfall accumulation

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 25105 Graf Rd 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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Rise Broadband Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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