McHenry County property record for 2706 Sterling Dr, McHenry, IL 60050
| Property Type | Single Family Home |
|---|---|
| Details | 1,092 sqft · built 1959 |
| Lot Size | 0.277 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Aug 2018) |
| Tax Bill | $3,408 (2024) |
| Deeds & Mortgages | Oct 2019 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-24-176-005 |
| Primary APN | 09-24-176-005 |
|---|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 1,092 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | A-Frame |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 12,197 sqft (0.277 acres) |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 2706 STERLING DR |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60050-2659 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2018R0026359 LT 5 AQUA LANE ESTATES UNIT 2 |
| Legal Subdivision | AQUA LANE ESTATES |
| Legal Block | 176 |
| Legal Lot Number | 5 |
| Legal Unit | 2 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | MCHENRY |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 870604 |
2706 Sterling Dr is owned and occupied by an individual who bought it in August 2018.
Source: McHenry County records, as of March 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2706 STERLING DR, MCHENRY, IL 60050-2659 |
| 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 |
|---|---|
| Oct 15, 2019 | Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE |
| Aug 3, 2018 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 2018 · Amount on File |
| Deed Sale | Aug 3, 2018 · Amount on File |
| Prior Sale | Apr 11, 2003 · Amount on File |
| Deed Document Number | 201826359 |
| Prior Transfer Date | Jun 10, 1997 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 2706 STERLING DR, MCHENRY, IL 60050-2659 |
| Document Number | 0000035774 |
| Instrument Date | Oct 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2019 |
| Title Company | RAVENSWOOD TITLE |
| Name | Verified Name |
|---|---|
| Address | 2706 STERLING DR MCHENRY IL 600502659, MCHENRY, IL 60050-2659 |
| Document Number | 0000035774 |
|---|---|
| Date | Oct 23, 2019 |
| Instrument | 35774 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 22, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Aug 3, 2018 |
| Property Address | 2706 STERLING DR, MCHENRY, IL 60050-2659 |
| Document Number | 0000026359 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 26359 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $217.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2706 STERLING DR MCHENRY IL 600502659, MCHENRY, IL 60050-2659 |
| Document Number | 26360 |
|---|---|
| Date | Aug 3, 2018 |
| Instrument | 26360 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 2, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.25% |
Source: McHenry County assessment roll, as of March 27, 2026
| 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 | $3,408.00 | $50,620 Land $10,478 Building $40,142 | $151,860 Land $31,434 Building $120,426 |
| 2022 | Homeowner's exemption | $42,073 Land $8,709 Building $33,364 | $126,219 Land $26,127 Building $100,092 |
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.
FEMA maps place 2706 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 |
|
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 risk around 2706 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 97% of the US · lower than 79% 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.
Source: FCC Broadband Data Collection, based on 155 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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