2809 Waterfront Ave, Algonquin, IL 60102 Property Records

McHenry County property record for 2809 Waterfront Ave, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,839 sqft · built 2002
Lot Size	0.054 acres (2,391 sqft)
Owner	Company Name on Record
Deeds & Mortgages	Aug 2022 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-30-456-009`

Property Details

APN / Parcel Number

Primary APN	`19-30-456-009`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,839 sqft
Gross Area	2,901 sqft
1st Floor Area	1,352 sqft
2nd Floor Area	487 sqft

Exterior

Year Built	Built 2002
Exterior Material	Frame Siding
Lot Area	2,391 sqft (0.054 acres)
Lot Dimensions	66 ft deep x 36 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	2809 WATERFRONT AVE
City	ALGONQUIN
State	IL
Zip	60102-6834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2022R0029148 W 36.27FT E 79.36FT LT 2 CREEKSIDE OF ALGONQUIN THE MEADOWS & THE VILLAS PHASE 2 MEMO: CHICAGO TITLE LAND TR
Legal Range	08E
Legal Township	43N
Legal Section	30
Legal Subdivision	CREEKSIDE/ALGONQUIN/MDWS & VLS
Legal Phase	2
Legal Tract	CO
Legal Lot Number	2
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 13, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	2809 WATERFRONT AVE, ALGONQUIN, IL 60102-6834
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB
Oct 27, 2020	Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2022
Deed Sale	Aug 19, 2022
Prior Sale	Oct 27, 2020 · Amount on Record
Deed Document Number	0000029148
Record Updated	Jun 7, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 19, 2022
Property Address	2809 WATERFRONT AVE, ALGONQUIN, IL 60102-6834
Document Number	0000029148
Map Reference	DOC 2001R0035042
Instrument Date	Aug 15, 2022
Instrument	2022R0029148
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE LAND TRUST CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 S LA SALLE ST STE 2750, 2750, CHICAGO, IL 60603-1108
Investor	Possibly a Property Investor

Mortgage

Document Number	0000029139
Date	Aug 19, 2022
Instrument	2022R0029139

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	288 Months
Due	Aug 1, 2046

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Oct 27, 2020
Property Address	2809 WATERFRONT AVE, ALGONQUIN, IL 60102-6834
Document Number	0000045216
Map Reference	DOC 2001R035042
Instrument Date	Oct 22, 2020
Instrument	2020R0045216
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2809 WATERFRONT AVE, ALGONQUIN, IL 60102-6834

Mortgage

Document Number	0000045217
Date	Oct 27, 2020
Instrument	2020R0045217

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.62%

Tax Assessment & Valuation

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

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
2022	Homeowner's exemption	$85,561 Land $14,925 Building $70,636	$256,683 Land $44,775 Building $211,908

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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