3109 1st St, Algonquin, IL 60102 Property Records

McHenry County property record for 3109 1st St, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 832 sqft · built 1938
Lot Size	0.236 acres (10,282 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Jul 2020)
Deeds & Mortgages	May 2020 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-23-430-013`

Property Details

APN / Parcel Number

Primary APN	`19-23-430-013`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	832 sqft
1st Floor Area	832 sqft

Exterior

Year Built	Built 1938
Architectural Style	Ranch
Exterior Material	Ribbed Aluminum
Lot Area	10,282 sqft (0.236 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3109 1ST ST
City	ALGONQUIN
State	IL
Zip	60102-9610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0025244 LT 14 HAEGERS LAGOON 2ND ADDN
Legal Range	08E
Legal Township	43N
Legal Section	23
Legal Subdivision	HAEGERS LAGOON 2ND ADD
Legal Block	430
Legal Lot Number	14
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4006
Census Tract	871600

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3109 1ST ST, ALGONQUIN, IL 60102-9610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC
Jul 8, 2020	Warranty Deed, Transfer · FHA Mortgage WINTRUST MORTGAGE
Mar 29, 2019	Warranty Deed, Transfer · FHA Mortgage INLANTA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2020 · Amount on Record
Deed Sale	Jul 8, 2020 · Amount on Record
Prior Sale	Mar 29, 2019 · Amount on Record
Deed Document Number	SPECIAL WARRANTY
Record Updated	Jun 7, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	3109 1ST ST, ALGONQUIN, IL 60102-9610
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016376
Date	May 11, 2020
Instrument	2020R0016376

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jul 8, 2020
Property Address	3109 1ST ST, ALGONQUIN, IL 60102-9610
Document Number	0000025244
Map Reference	DOC 74904 MB 5 PG 77
Instrument Date	Jun 20, 2020
Instrument	2020R0025244
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 1ST ST, ALGONQUIN, IL 60102-9610

Mortgage

Document Number	0000025245
Date	Jul 8, 2020
Instrument	2020R0025245

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 29, 2019
Property Address	3109 1ST ST, ALGONQUIN, IL 60102-9610
Document Number	0000008445
Map Reference	MB 5 PG 77
Instrument Date	Mar 19, 2019
Instrument	2019R0008445
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 1ST ST, ALGONQUIN, IL 60102-9610

Mortgage

Document Number	0000008446
Date	Mar 29, 2019
Instrument	2019R0008446

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate	5.12%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
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	$42,965 Land $13,924 Building $29,041	$128,895 Land $41,772 Building $87,123

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	4 (1979–1987)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 1987 · alluvial fan 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 Risk	Not rated no burnable land within 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	CARY serves 17,826 people · EPA ID IL1110100
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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