317 N River Rd, Algonquin, IL 60102 Property Records

McHenry County property record for 317 N River Rd, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 901 sqft · built 1957
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Sep 2018)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-34-202-012`

Property Details

APN / Parcel Number

Primary APN	`19-34-202-012`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	901 sqft
Gross Area	1,752 sqft
1st Floor Area	901 sqft

Exterior

Year Built	Built 1957
Architectural Style	Ranch
Exterior Material	Ribbed Aluminum
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	292 ft deep x 60 ft wide
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	317 N RIVER RD
City	ALGONQUIN
State	IL
Zip	60102-2464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2018R0031337 PT W1/2 NE FRL 1/4
Legal Range	08E
Legal Township	43N
Legal Section	34
Legal Block	202
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4035
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	2 Individual Names on Record
Mailing Address	317 N RIVER RD, ALGONQUIN, IL 60102-2464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 12, 2018	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2018 · Amount on Record
Deed Sale	Sep 12, 2018 · Amount on Record
Prior Sale	Nov 5, 2007 · Amount on Record
Deed Document Number	WARRANTY DEED
Record Updated	Jun 7, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	317 N RIVER RD, ALGONQUIN, IL 60102-2464
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	PRECISION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015306
Date	Mar 19, 2021
Instrument	2021R0015306

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 12, 2018
Property Address	317 N RIVER RD, ALGONQUIN, IL 60102-2464
Document Number	0000031337
Instrument Date	Aug 28, 2018
Instrument	31337
Transaction Type	Transfer
Record Updated	Oct 3, 2018
Title Company	SATURN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$615.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	317 N RIVER RD ALGONQUIN IL 601022464, ALGONQUIN, IL 60102-2464

Mortgage

Document Number	31338
Date	Sep 12, 2018
Instrument	31338

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2048

Interest

Rate	4.87%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Algonquin Village
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	$99,728 Land $21,650 Building $78,078	$299,184 Land $64,950 Building $234,234

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 500 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	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	ALGONQUIN serves 30,700 people · EPA ID IL1110050
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2026–2028) action level 15 ppb
Copper	1.6 mg/L (2022–2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 220 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
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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