2804 Waterfront Ave, Algonquin, IL 60102 Property Records

McHenry County property record for 2804 Waterfront Ave, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,839 sqft · built 2002
Lot Size	0.55 acres (2,388 sqft)
Owner	2 Individual Names on Record
Last Sale	$367,000 (May 2024)
Tax Bill	$6,856 (2024)
Deeds & Mortgages	Apr 2026 Mortgage May 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-30-451-076`

Property Details

APN / Parcel Number

Primary APN	`19-30-451-076`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,839 sqft Living Area
1st Floor Area	1,352 sqft
Basement Area	1,062 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	2,388 sqft (0.55 acres)
Lot Dimensions	66 ft deep x 36 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	2804 WATERFRONT AVE
City	ALGONQUIN
State	IL
Zip	60102-6835
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2024R0010436 E 36.23FT W 79.13FT LT 11 CREEKSIDE OF ALGONQUIN THE MEADOWS & THE VILLAS PHASE 2 MEMO: THOMAS, OLUBUNMI ISEYEMI/ OLATOKUN, OYENIYI ADEOLA
Legal Subdivision	CREEKSIDE OF ALGONQUIN THE MEADOWS & THE
Legal Phase	2
Legal Lot Number	11
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4000
Census Tract	871206

Owner

Source: McHenry County records, as of May 6, 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 Record
Mailing Address	2430 MILLBROOK DR, 201, ALGONQUIN, IL 60102-1405
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
May 1, 2024	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2024 · Amount on Record
Deed Sale	May 1, 2024 · Amount on Record
Prior Sale	Dec 19, 2013 · Amount on Record
Deed Document Number	202410436
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Recording Date	Apr 23, 2026
Property Address	2804 WATERFRONT AVE, ALGONQUIN, IL 60102-6835
Document Number	0000011031
Instrument Date	Mar 11, 2026
Instrument	202611031
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 WATERFRONT AVE, ALGONQUIN, IL 60102-6835

Mortgage

Document Number	0000011031,
Date	Apr 23, 2026
Instrument	202611031

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	May 1, 2054

Interest

Rate	6.09%
Max Rate	-1%

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	May 1, 2024
Property Address	2804 WATERFRONT AVE, ALGONQUIN, IL 60102-6835
Document Number	0000010436
Map Reference	DOC 2001R0035042
Instrument Date	Mar 6, 2024
Instrument	2024R0010436
Transaction Type	Transfer
Record Updated	May 13, 2024
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1264 HORSESHOE LN, BARTLETT, IL 60103-1877

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2804 WATERFRONT AVE, ALGONQUIN, IL 60102-6835

Mortgage

Document Number	0000010437
Date	May 1, 2024
Instrument	2024R0010437

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.25%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of June 30, 2025

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Algonquin Village
County	McHenry County
County Subdivision	Algonquin Township
Unified School District	Community Unit School District 300 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$6,856.00	$95,654 (+13.03%) Land $18,583 Building $77,071	$286,962 (+13.03%) Land $55,749 Building $231,213
2022	Homeowner's exemption	$84,628 Land $14,925 Building $69,703	$253,884 Land $44,775 Building $209,109

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

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
Nearby Flood Policies	1 in force

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ALGONQUIN serves 30,700 people · EPA ID IL1110050
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2026–2028) action level 15 ppb
Copper	1.6 mg/L (2022–2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 383 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: i3 Broadband.

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