312 S Cross Trl, McHenry, IL 60050 Property Records

McHenry County property record for 312 S Cross Trl, McHenry, IL 60050

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,366 sqft · built 1990
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Jan 2025)
Tax Bill	$7,565 (2024)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-03-176-005`

Property Details

APN / Parcel Number

Primary APN	`14-03-176-005`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	5 Plumbing Fixtures
Building Area	1,366 sqft Living Area
1st Floor Area	1,366 sqft
Basement Area	676 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Deck Area	453 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	312 S CROSS TRL
City	MCHENRY
State	IL
Zip	60050-5465
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2025R0001368 LT 4 BLK 7 WINDING CREEK FIVE UNIT 2
Legal Subdivision	WINDING CREEK FIVE UNIT 2
Legal Block	7
Legal Lot Number	4
Legal Unit	2
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	1
Census Block	1007
Census Tract	870813

Owner

312 S Cross Trl is owned and occupied by two individuals who bought it in January 2025.

Source: McHenry County records, as of June 30, 2025

Owner of Record	2 Individual Names on File
Mailing Address	312 S CROSS TRL, MCHENRY, IL 60050-5465
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jul 9, 2019	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2025 · Amount on File
Deed Sale	Jan 16, 2025 · Amount on File
Prior Sale	Jul 9, 2019 · Amount on File
Deed Document Number	20251368
Prior Transfer Date	Apr 21, 1994
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	312 S CROSS TRL, MCHENRY, IL 60050-5465
Transaction Type	Mortgage
Record Updated	Oct 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032976
Date	Sep 22, 2022
Instrument	2022R0032976

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	312 S CROSS TRL, MCHENRY, IL 60050-5465
Transaction Type	Mortgage
Record Updated	Jul 22, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038007
Date	Jul 13, 2021
Instrument	2021R0038007

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	238 Months
Due	May 1, 2041

Interest

Rate	3%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jul 9, 2019
Property Address	312 S CROSS TRL, MCHENRY, IL 60050-5465
Document Number	0000020743
Map Reference	DOC 89R009299
Instrument Date	Jun 26, 2019
Instrument	2019R0020743
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$337.50
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	312 S CROSS TRL, MCHENRY, IL 60050-5465

Mortgage

Document Number	0000020744
Date	Jul 9, 2019
Instrument	2019R0020744

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Interest

Rate	3.99%

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	$7,565.00	$97,884 Land $22,383 Building $75,501	$293,652 Land $67,149 Building $226,503
2022	Homeowner's exemption	$78,884 Land $18,357 Building $60,527	$236,652 Land $55,071 Building $181,581

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 312 S Cross Trl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 312 S Cross Trl 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 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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