309 S Cross Trl, McHenry, IL 60050 Property Records

McHenry County property record for 309 S Cross Trl, McHenry, IL 60050

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,384 sqft · built 1989
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Aug 2022)
Tax Bill	$8,512 (2024)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-03-106-015`

Property Details

APN / Parcel Number

Primary APN	`14-03-106-015`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	4 Half Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,384 sqft Living Area
1st Floor Area	1,552 sqft
Basement Area	865 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Foundation Type	Raised
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	114 sqft
Deck Area	427 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	309 S CROSS TRL
City	MCHENRY
State	IL
Zip	60050-5468
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2022R0030517 LT 20 BLK 4 WINDING CREEK FIVE UNIT 2
Legal Subdivision	WINDING CREEK FIVE UNIT 2
Legal Block	4
Legal Lot Number	20
Legal Unit	2
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	1
Census Block	1015
Census Tract	870813

Owner

Source: McHenry County records, as of October 14, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	309 S CROSS TRL, MCHENRY, IL 60050-5468
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Mar 17, 2017	Deed of Trust, Mortgage · ARM FIRST MIDWEST BANK
Aug 13, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2022 · Amount on Record
Deed Sale	Aug 31, 2022 · Amount on Record
Prior Sale	Aug 13, 2020 · Amount on Record
Deed Document Number	202230517
Prior Transfer Date	Mar 13, 2007
Prior Transfer Doc	0000021607
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 31, 2022
Property Address	309 S CROSS TRL, MCHENRY, IL 60050-5468
Document Number	0000030517
Map Reference	DOC 89R9299
Instrument Date	Aug 3, 2022
Instrument	2022R0030517
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
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	309 S CROSS TRL, MCHENRY, IL 60050-5468

Mortgage

Document Number	0000030518
Date	Aug 31, 2022
Instrument	2022R0030518

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.37%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	309 S CROSS TRL, MCHENRY, IL 60050-5468
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009510
Date	Mar 17, 2017
Instrument	2017R0009510

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	GURNEE, IL 60031

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 13, 2020
Property Address	309 S CROSS TRL, MCHENRY, IL 60050-5468
Document Number	0000031410
Map Reference	DOC 89R299
Instrument Date	Jul 17, 2020
Instrument	2020R0031410
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$248.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 S CROSS TRL, MCHENRY, IL 60050-5468

Mortgage

Document Number	0000031411
Date	Aug 13, 2020
Instrument	2020R0031411

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of June 30, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Nunda Township
Municipality	McHenry City
Elementary School District	McHenry Community Consolidated School District 15 (PK - 08)
Secondary School District	McHenry Community High School District 156 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$8,512.00	$109,130 (+29.75%) Land $22,383 Building $86,747	$327,390 (+29.75%) Land $67,149 Building $260,241
2022	Homeowner's exemption	$84,108 Land $18,357 Building $65,751	$252,324 Land $55,071 Building $197,253

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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	MCHENRY serves 22,335 people · EPA ID IL1110600
Water Source	Groundwater
Last State Inspection	May 2023
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	23 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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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