McHenry County property record for 311 Millard Ave, Crystal Lake, IL 60014
| Property Type | Single Family Home |
|---|---|
| Details | 1,533 sqft · built 1992 |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | 2 Individual Names on File |
| Deeds & Mortgages | Jul 2021 Mortgage Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-01-303-007 |
| Primary APN | 18-01-303-007 |
|---|
| Building Area | 1,533 sqft Living Area |
|---|---|
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 5,750 sqft (0.132 acres) |
| Garage Area | 253 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 85 sqft |
| Deck Area | 24 sqft |
| Cooling System | HVAC |
|---|
| Street Address | 311 MILLARD AVE |
|---|---|
| City | CRYSTAL LAKE |
| State | IL |
| Zip | 60014-5155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2018R0036696 LT 13 BLK 26 PARK ADDN TO CRYSTAL LAKE GARDENS |
| Legal Range | 07E |
| Legal Township | 43N |
| Legal Section | 01 |
| Legal Subdivision | PARK ADD |
| Legal Block | 26 |
| Legal Lot Number | 13 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | GRAFTON |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 871112 |
311 Millard Ave is owned and occupied by two individuals who acquired it in October 2018.
Source: McHenry County records, as of May 13, 2024
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 311 MILLARD AVE, CRYSTAL LAKE, IL 60014-5155 |
| 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.
| Date | Document |
|---|---|
| Jul 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CO |
| Oct 25, 2018 | Quit Claim Deed, Transfer · FHA Mortgage OCMBC INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Prior Sale | Oct 12, 2001 |
| Last Transfer Date | Oct 25, 2018 |
| Transfer Doc | 0000036696 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 311 MILLARD AVE, CRYSTAL LAKE, IL 60014-5155 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000038006 |
|---|---|
| Date | Jul 13, 2021 |
| Instrument | 2021R0038006 |
| Name | FIRST CENTENNIAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | AURORA, IL 60506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Oct 25, 2018 |
| Property Address | 311 MILLARD AVE, CRYSTAL LAKE, IL 60014-5155 |
| Document Number | 0000036696 |
| Instrument Date | Oct 19, 2018 |
| Instrument | 36696 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Title Company | PRAIRIE TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 311 MILLARD AVE CRYSTAL LAKE IL 600145155, CRYSTAL LAKE, IL 60014-5155 |
| Document Number | 36697 |
|---|---|
| Date | Oct 25, 2018 |
| Instrument | 36697 |
| Name | OCMBC INC |
|---|---|
| Address | IRVINE, CA 92612 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 24, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
Source: McHenry County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Grafton Township |
| Municipality | Crystal Lake City |
| Elementary School District | Crystal Lake Community Consolidated School District 47 (PK - 08) |
| Secondary School District | Community High School District 155 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $59,759 Land $6,478 Building $53,281 | $179,277 Land $19,434 Building $159,843 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 311 Millard Ave in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 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.
The area around 311 Millard Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CRYSTAL LAKE serves 40,661 people · EPA ID IL1110150 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 7 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 12 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.
Source: FCC Broadband Data Collection, based on 290 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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