2805 S River Rd, McHenry, IL 60051 Property Records

McHenry County property record for 2805 S River Rd, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,444 sqft · built 1966
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Jun 2019)
Deeds & Mortgages	May 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-17-376-004`

Property Details

APN / Parcel Number

Primary APN	`15-17-376-004`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,444 sqft Living Area
Gross Area	2,888 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Raised
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2805 S RIVER RD
City	MCHENRY
State	IL
Zip	60051-2715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0015671 LT 13 & /EX N 35FT/ LT 12 & N 25FT LT 14 HALES GRISWOLD LAKE SUB
Legal Range	09E
Legal Township	44N
Legal Section	17
Legal Subdivision	HALES GRISWOLD LAKE
Legal Block	376
Legal Lot Number	12-14
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	2
Census Block	2033
Census Tract	870811

Owner

2805 S River Rd is owned and occupied by an individual who bought it in June 2019.

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

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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2805 S RIVER RD, MCHENRY, IL 60051-2715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE TRUST & SAVINGS
Jun 3, 2019	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE TRUST & SAVINGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2019 · Amount on File
Deed Sale	Jun 3, 2019 · Amount on File
Prior Sale	Apr 5, 2012 · Amount on File
Deed Document Number	2019R0015671
Record Updated	Jun 7, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	2805 S RIVER RD, MCHENRY, IL 60051-2715
Transaction Type	Mortgage
Record Updated	May 28, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026755
Date	May 17, 2021
Instrument	2021R0026755

Lender

Name	NORTH SHORE TRUST & SAVINGS
Type	Bank
Address	LAKE VILLA, IL 60046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2041

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 3, 2019
Property Address	2805 S RIVER RD, MCHENRY, IL 60051-2715
Document Number	0000015671
Map Reference	DOC 55361 MB 4 PG 62
Instrument Date	May 22, 2019
Instrument	2019R0015671
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2805 SOUTH READ ROD, MCHENRY, IL 60051

Mortgage

Document Number	0000015672
Date	Jun 3, 2019
Instrument	2019R0015672

Lender

Name	NORTH SHORE TRUST & SAVINGS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Nunda 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
2022	Homeowner's exemption	$103,823 Land $34,377 Building $69,446	$311,469 Land $103,131 Building $208,338

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 2805 S River Rd 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 54 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	85 (1978–2026)
Claims Outside the SFHA	1 of 85
Most Recent Claim	May 2026 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 16 claims Severe Storms & Flooding, Jun 1993 · 9 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

The area around 2805 S River Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 107 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

May also be available: AT&T.

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