3207 S Cherry Ave, McHenry, IL 60051 Property Records

McHenry County property record for 3207 S Cherry Ave, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	3 bd · 6 ba · 1,471 sqft · built 1991
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$187,500 (Aug 2020)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-20-104-007`

Property Details

APN / Parcel Number

Primary APN	`15-20-104-007`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,471 sqft Living Area
Gross Area	2,126 sqft
Basement Area	655 sqft

Exterior

Year Built	Built 1991
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	130 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3207 S CHERRY AVE
City	MCHENRY
State	IL
Zip	60051-8095
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0029712 LT 6 BLK 5 RIMAS LODGE SUB UNIT 2 MEMO: REED, TIMOTHY JONATHAN/ HURMIS, NINA
Legal Range	09E
Legal Township	44N
Legal Section	20
Legal Subdivision	RIMAS LODGE
Legal Block	5
Legal Lot Number	6
Legal Unit	2
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	2
Census Block	2035
Census Tract	870811

Owner

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

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3207 S CHERRY AVE, MCHENRY, IL 60051-8095
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage ILLINOIS HSNG DEV AUTHORITY
Nov 15, 2020	Deed of Trust, Mortgage · FHA Mortgage FIRST CENTENNIAL MTG CORP
Aug 3, 2020	Warranty Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 3, 2020 · Amount on Record
Deed Sale	Aug 3, 2020 · Amount on Record
Prior Sale	Mar 26, 1997
Deed Document Number	2020R0029712
Record Updated	Jun 7, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	3207 S CHERRY AVE, MCHENRY, IL 60051-8095
Document Number	0000055200
Instrument Date	Nov 15, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3207 S CHERRY AVE MCHENRY IL 600518095, MCHENRY, IL 60051-8095

Mortgage

Document Number	0000055200
Date	Dec 15, 2020
Instrument	55200

Lender

Name	ILLINOIS HSNG DEV AUTHORITY
Address	CHICAGO, IL 60601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	3207 S CHERRY AVE, MCHENRY, IL 60051-8095
Document Number	0000055199
Instrument Date	Nov 15, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3207 S CHERRY AVE MCHENRY IL 600518095, MCHENRY, IL 60051-8095

Mortgage

Document Number	0000055199
Date	Dec 15, 2020
Instrument	55199

Lender

Name	FIRST CENTENNIAL MTG CORP
Address	AURORA, IL 60506

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 3, 2020
Property Address	3207 S CHERRY AVE, MCHENRY, IL 60051-8095
Document Number	0000029712
Map Reference	DOC356944 MB14 PG29
Instrument Date	May 23, 2020
Instrument	2020R0029712
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$187.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5235 FM 1863, 5235, BULVERDE, TX 78163-2450

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3207 S CHERRY AVE, MCHENRY, IL 60051-8095

Mortgage

Document Number	0000029713
Date	Aug 3, 2020
Instrument	2020R0029713

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

Mortgage

Document Number	0000029714
Date	Aug 3, 2020
Instrument	2020R0029714

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Nunda Township
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
2022	Homeowner's exemption	$66,655 Land $10,135 Building $56,520	$199,965 Land $30,405 Building $169,560

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 54 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	85 (1978–2026)
Claims Outside the SFHA	1 of 85
Most Recent Claim	May 2026 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 16 claims Severe Storms & Flooding, Jun 1993 · 9 claims

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

Drinking Water

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

Water System	ISLAND LAKE serves 8,066 people · EPA ID IL0974540
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2025) 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 107 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 USA Fixed Wireless	100 / 20

May also be available: AT&T.

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