3205 Vista Ter, McHenry, IL 60050 Property Records

McHenry County property record for 3205 Vista Ter, McHenry, IL 60050

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,016 sqft · built 1974
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Jan 2026)
Tax Bill	$5,984 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-02-478-008`

Property Details

APN / Parcel Number

Primary APN	`14-02-478-008`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	2,016 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Foundation Type	Raised
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Deck Area	426 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3205 VISTA TER
City	MCHENRY
State	IL
Zip	60050-8240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0007478 LT 8 BLK 25 MCHENRY SHORES UNIT 3
Legal Range	08E
Legal Township	44N
Legal Section	02
Legal Subdivision	MCHENRY SHORES
Legal Block	25
Legal Lot Number	8
Legal Unit	3
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	1
Census Block	1029
Census Tract	870809

Owner

3205 Vista Ter is owned and occupied by an individual who bought it in January 2026.

Source: McHenry County records, as of February 6, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3205 VISTA TER, MCHENRY, IL 60050-8240
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 21, 2019	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2026 · Amount on File
Deed Sale	Jan 23, 2026 · Amount on File
Prior Sale	Mar 21, 2019 · Amount on File
Deed Document Number	2026R0002231
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jan 23, 2026
Property Address	3205 VISTA TER, MCHENRY, IL 60050-8240
Document Number	0000002231
Map Reference	DOC306463 MB12 PG68
Instrument Date	Jan 12, 2026
Instrument	2026R0002231
Transaction Type	Transfer
Record Updated	Feb 9, 2026
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
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	3205 VISTA TER, MCHENRY, IL 60050-8240

Mortgage

Document Number	0000002232
Date	Jan 23, 2026
Instrument	2026R0002232

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate	5.87%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 21, 2019
Property Address	3205 VISTA TER, MCHENRY, IL 60050-8240
Document Number	0000007478
Instrument Date	Mar 5, 2019
Instrument	7478
Transaction Type	Transfer
Record Updated	Apr 25, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
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	3205 VISTA TER MCHENRY IL 600508240, MCHENRY, IL 60050-8240

Mortgage

Document Number	7479
Date	Mar 21, 2019
Instrument	7479

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 20, 2049

Interest

Rate	5.25%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2024

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	$5,984.00 Homeowner's exemption	$79,102 Land $16,714 Building $62,388	$237,306 Land $50,142 Building $187,164
2022	Homeowner's exemption	$69,296 Land $13,707 Building $55,589	$207,888 Land $41,121 Building $166,767

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 3205 Vista Ter 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
Nearby Flood Policies	4 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.

Wildfire

The area around 3205 Vista Ter 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	AQUA ILLINOIS-MCHENRY SHORES private · serves 1,862 people · EPA ID IL1115020
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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 329 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Verizon.

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