2846 Waterfront Ave, Algonquin, IL 60102 Property Records

McHenry County property record for 2846 Waterfront Ave, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,923 sqft · built 2002
Lot Size	0.69 acres (2,991 sqft)
Owner	2 Company Names on Record
Last Sale	$223,000 (Jun 2018)
Tax Bill	$7,676 (2024)
Deeds & Mortgages	Mar 2024 Transfer Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-30-403-009`

Property Details

APN / Parcel Number

Primary APN	`19-30-403-009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,923 sqft Living Area
1st Floor Area	1,456 sqft
Basement Area	1,129 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	2,991 sqft (0.69 acres)
Lot Dimensions	67 ft deep x 45 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2846 WATERFRONT AVE
City	ALGONQUIN
State	IL
Zip	60102-6835
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2024R0004853 E 44.57FT LT 59 CREEKSIDE OF ALGONQUIN THE VILLAS PHASE 3
Legal Subdivision	CREEKSIDE OF ALGONQUIN THE VILLAS PHASE
Legal Phase	3
Legal Lot Number	59
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4000
Census Tract	871206

Owner

Source: McHenry County records, as of June 30, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	2846 WATERFRONT AVE, ALGONQUIN, IL 60102-6835
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Jun 1, 2018	Trustee's Deed, Foreclosure · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2018 · Amount on Record
Deed Sale	Jun 1, 2018 · Amount on Record
Prior Sale	Dec 3, 2002 · Amount on Record
Deed Document Number	201817969
Last Transfer Date	Feb 23, 2024
Transfer Doc	0000004853
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Mar 1, 2024
Property Address	2846 WATERFRONT AVE, ALGONQUIN, IL 60102-6835
Document Number	0000004853
Map Reference	DOC 2001R0098234
Instrument Date	Mar 1, 2024
Instrument	2024R0004853
Transaction Type	Transfer
Record Updated	Mar 13, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2846 WATERFRONT AVE, ALGONQUIN, IL 60102-6835

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	2846 WATERFRONT AVE, ALGONQUIN, IL 60102-6835
Transaction Type	Mortgage
Record Updated	May 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003374
Date	Jan 19, 2021
Instrument	2021R0003374

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

June 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 1, 2018
Property Address	2846 WATERFRONT AVE, ALGONQUIN, IL 60102-6835
Document Number	0000017969
Map Reference	DOC20010098234
Instrument Date	May 22, 2018
Instrument	2018R0017969
Transaction Type	Foreclosure
Record Updated	May 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$334.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 PGHILLIPS DR, BARTLETT, IL 00000

Mortgage

Document Number	0000017970
Date	Jun 1, 2018
Instrument	2018R0017970

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

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	$7,676.00	$114,127 (+22.51%) Land $18,583 Building $95,544	$342,381 (+22.51%) Land $55,749 Building $286,632
2022	Homeowner's exemption	$93,155 Land $16,326 Building $76,829	$279,465 Land $48,978 Building $230,487

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 98% of the US · lower than 86% 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.

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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