2977 Talaga Dr, Algonquin, IL 60102 Property Records

McHenry County property record for 2977 Talaga Dr, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,732 sqft · built 2003
Lot Size	0.038 acres (1,686 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Jan 2022)
Deeds & Mortgages	Jan 2022 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-30-327-036`

Property Details

APN / Parcel Number

Primary APN	`19-30-327-036`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,732 sqft
Gross Area	2,452 sqft
1st Floor Area	733 sqft
2nd Floor Area	999 sqft

Exterior

Year Built	Built 2003
Exterior Material	Frame Siding
Lot Area	1,686 sqft (0.038 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	2977 TALAGA DR
City	ALGONQUIN
State	IL
Zip	60102-6849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2022R0000448 SWLY 23.74FT NELY 47.48FT LT 25 AS MEAS ON SELY LINE WINDING CREEK UNIT 1 FIRST RESUB
Legal Range	08E
Legal Township	43N
Legal Section	30
Legal Subdivision	WINDING CRK #1 1ST RESUB
Legal Lot Number	25
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4000
Census Tract	871206

Owner

2977 Talaga Dr is owned and occupied by an individual who bought it in January 2022.

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	2977 TALAGA DR, ALGONQUIN, IL 60102-6849
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 2, 2017	Warranty Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2022 · Amount on File
Deed Sale	Jan 4, 2022 · Amount on File
Prior Sale	May 2, 2017 · Amount on File
Deed Document Number	WARRANTY DEED
Record Updated	Jun 7, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jan 4, 2022
Property Address	2977 TALAGA DR, ALGONQUIN, IL 60102-6849
Document Number	0000000448
Instrument Date	Jan 4, 2022
Instrument	2022R0000448
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TTL SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2977 TALAGA DR, ALGONQUIN, IL 60102-6849

Mortgage

Document Number	0000000449
Date	Jan 4, 2022
Instrument	2022R0000449

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.5%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	May 2, 2017
Property Address	2977 TALAGA DR, ALGONQUIN, IL 60102-6849
Document Number	0000015558
Map Reference	DOC2002R0085982
Instrument Date	Apr 26, 2017
Instrument	2017R0015558
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	HERITAGE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$321.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18611 W LAZY ACRE RD, 18611, LAKE VILLA, IL 60046-6764

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2977 TALAGA DR, ALGONQUIN, IL 60102-6849

Mortgage

Document Number	0000015559
Date	May 2, 2017
Instrument	2017R0015559

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	$79,601 Land $14,925 Building $64,676	$238,803 Land $44,775 Building $194,028

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 2977 Talaga Dr 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 2977 Talaga Dr 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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