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305 Cardiff Dr, Algonquin, IL 60102 Property Records

McHenry County property record for 305 Cardiff Dr, Algonquin, IL 60102

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,271 sqft · built 1997
Lot Size0.297 acres (12,947 sqft)
OwnerIndividual Name on File
Last Sale$350,000 (Jun 2022)
Deeds & MortgagesJun 2022 Sale & Mortgage
Feb 2021 Line of Credit
Flood ZoneZone X (minimal risk)
APN19-29-377-015

Property Details

APN / Parcel Number

Primary APN19-29-377-015

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,271 sqft
Gross Area3,103 sqft
1st Floor Area1,127 sqft
2nd Floor Area1,144 sqft

Exterior

Year BuiltBuilt 1997
Architectural StyleColonial
Exterior MaterialFrame Siding
Lot Area12,947 sqft (0.297 acres)

Utilities, Heating & Cooling

Heating SystemForced Air

Location & Zoning

Street Address305 CARDIFF DR
CityALGONQUIN
StateIL
Zip60102-5609
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 2022R0020169 LT 96 ARBOR HILLS SUB UNIT 4
Legal Range08E
Legal Township43N
Legal Section29
Legal SubdivisionARBOR HILLS
Legal Block377
Legal Lot Number96
Legal Unit4
JurisdictionMCHENRY IL
Township / Civil DivisionALGONQUIN
Census Block Group1
Census Block1012
Census Tract871206

Owner

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

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address305 CARDIFF DR, ALGONQUIN, IL 60102-5609
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 6, 2022Warranty Deed, Transfer · Conventional Mortgage
WELLS FARGO BANK NA
Feb 5, 2021Deed of Trust, Mortgage · Line of Credit
BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 6, 2022 · Amount on Record
Deed SaleJun 6, 2022 · Amount on Record
Prior SaleMar 1, 2000
Deed Document Number0000020169
Record UpdatedJun 7, 2026

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCHENRY IL
Recording DateJun 6, 2022
Property Address305 CARDIFF DR, ALGONQUIN, IL 60102-5609
Document Number0000020169
Map ReferenceDOC 96R65277
Instrument DateMay 31, 2022
Instrument2022R0020169
Transaction TypeTransfer
Record UpdatedJun 15, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$350.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address9782 CHETWOOD DR, HUNTLEY, IL 60142-2316
InvestorPossibly a Property Investor

Mortgage

Document Number0000020170
DateJun 6, 2022
Instrument2022R0020170
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 1, 2037

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Property Address305 CARDIFF DR, ALGONQUIN, IL 60102-5609
Transaction TypeMortgage
Record UpdatedFeb 17, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000006907
DateFeb 5, 2021
Instrument2021R0006907
Lender
NameBMO HARRIS BANK NA
TypeBank
AddressCHICAGO, IL 60690
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueFeb 3, 2051
Interest
Rate TypeAdjustable Rate
Rate3.5%
Change FrequencyMonthly

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
MunicipalityAlgonquin Village
CountyMcHenry County
County SubdivisionAlgonquin Township
Unified School DistrictCommunity Unit School District 300 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2022Homeowner's exemption$114,405 Land $27,306 Building $87,099$343,215 Land $81,918 Building $261,297

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (1982–1993)
Most Recent ClaimJul 1993 · Severe Storms & Flooding

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 RiskLow
lower than 95% of the US · lower than 70% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemALGONQUIN
serves 30,700 people · EPA ID IL1110050
Water SourceGroundwater
Last State InspectionAug 2025
Lead2 ppb (2026–2028)
action level 15 ppb
Copper1.6 mg/L (2022–2024)
action level 1.3 mg/L

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 359 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
WH i3B Bidco LLC/WH i3B Topco
Fiber		8,000 / 8,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · DSL		100 / 20

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