2861 Waterfront Ave, Algonquin, IL 60102 Property Records

McHenry County property record for 2861 Waterfront Ave, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,921 sqft · built 2002
Lot Size	0.066 acres (2,893 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Dec 2017)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-30-328-009`

Property Details

APN / Parcel Number

Primary APN	`19-30-328-009`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,921 sqft
Gross Area	3,050 sqft
1st Floor Area	1,455 sqft
2nd Floor Area	466 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Aluminum/Vinyl
Lot Area	2,893 sqft (0.066 acres)
Lot Dimensions	67 ft deep x 43 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2861 WATERFRONT AVE
City	ALGONQUIN
State	IL
Zip	60102-6834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2017R0045482 SLY 43.17FT LT 57 CREEKSIDE OF ALGONQUIN THE VILLAS PHASE 3
Legal Range	08E
Legal Township	43N
Legal Section	30
Legal Subdivision	CREEKSIDE/ALGONQUIN/VLS PH 03
Legal Phase	3
Legal Lot Number	57
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4000
Census Tract	871206

Owner

2861 Waterfront Ave is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2861 WATERFRONT AVE, ALGONQUIN, IL 60102-6834
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP
Dec 8, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2017 · Amount on File
Deed Sale	Dec 8, 2017 · Amount on File
Prior Sale	Sep 24, 2010 · Amount on File
Deed Document Number	WARRANTY DEED
Record Updated	Jun 7, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	2861 WATERFRONT AVE, ALGONQUIN, IL 60102-6834
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2861 WATERFRONT AVE, ALGONQUIN, IL 60102-6834

Mortgage

Document Number	0000027644
Date	Oct 7, 2025
Instrument	2025R0027644

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Oct 5, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	2861 WATERFRONT AVE, ALGONQUIN, IL 60102-6834
Transaction Type	Mortgage
Record Updated	May 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005003
Date	Jan 27, 2021
Instrument	2021R0005003

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company
Address	PALATINE, IL 60074

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Dec 8, 2017
Property Address	2861 WATERFRONT AVE, ALGONQUIN, IL 60102-6834
Document Number	0000045482
Map Reference	DOC2001R0098234
Instrument Date	Oct 19, 2017
Instrument	2017R0045482
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	AMERICAN NATL TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2051 TUNBRIDGE TRL, 2051, ALGONQUIN, IL 60102-6023

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2861 WATEFORFNT AVE, ALGONQUIN, IL 60102

Mortgage

Document Number	0000045483
Date	Dec 8, 2017
Instrument	2017R0045483

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%

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	$93,111 Land $15,877 Building $77,234	$279,333 Land $47,631 Building $231,702

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 2861 Waterfront Ave in Zone X, an area of minimal flood risk, within 500 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 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

Wildfire risk around 2861 Waterfront Ave 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 93% of the US · above 42% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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