McHenry County property record for 2521 Clara St, McHenry, IL 60050
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,596 sqft · built 1965 |
| Lot Size | 0.949 acres (41,818 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Dec 2010) |
| Tax Bill | $11,904 (2024) |
| Deeds & Mortgages | May 2026 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-24-129-006 |
| Primary APN | 09-24-129-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,596 sqft Living Area |
| 1st Floor Area | 1,596 sqft |
| Basement Area | 1,596 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | A-Frame |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 41,818 sqft (0.949 acres) |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 320 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 210 sqft |
| Deck Area | 121 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Hot Water |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2521 CLARA ST |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60050-2678 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2010R0060682 LT 3 BOAT & SADDLE SUB & PC BET W LINE LT 3 & CHANNEL PT NW1/4 |
| Legal Subdivision | BOAT & SADDLE SUB |
| Legal Block | 129 |
| Legal Lot Number | 3 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | MCHENRY |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 870604 |
2521 Clara St is owned and occupied by two individuals who bought it in December 2010.
Source: McHenry County records, as of May 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2521 CLARA ST, MCHENRY, IL 60050-2678 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 7, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Dec 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2010 · Amount on File |
| Deed Sale | Dec 30, 2010 · Amount on File |
| Prior Sale | May 28, 2003 · Amount on File |
| Deed Document Number | 201060682 |
| Prior Transfer Date | Sep 19, 2001 |
| Prior Transfer Doc | 0000071405 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | May 7, 2026 |
| Property Address | 2521 CLARA ST, MCHENRY, IL 60050-2678 |
| Document Number | 0000012657 |
| Instrument Date | May 1, 2026 |
| Instrument | 202612657 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Document Number | 0000012657, |
|---|---|
| Date | May 7, 2026 |
| Instrument | 202612657 |
| Name | FIRST AMERICAN BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 1, 2036 |
| Rate | 6.75% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 2521 CLARA ST, MCHENRY, IL 60050-2678 |
| Document Number | 0000002425 |
| Instrument Date | Dec 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2521 CLARA ST MCHENRY IL 600502678, MCHENRY, IL 60050-2678 |
| Document Number | 0000002425 |
|---|---|
| Date | Jan 13, 2021 |
| Instrument | 2425 |
| Name | BETTER MTG CORP ISAOA |
|---|---|
| Address | NEW YORK, NY 10271 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 12, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.37% |
Source: McHenry County assessment roll, as of June 30, 2025
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $11,904.00 | $156,844 Land $84,577 Building $72,267 | $470,532 Land $253,731 Building $216,801 |
| 2022 | Homeowner's exemption | $130,361 Land $70,296 Building $60,065 | $391,083 Land $210,888 Building $180,195 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2521 Clara St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 |
|
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.
The area around 2521 Clara St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 200 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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