3218 W Beach Dr, McHenry, IL 60050 Property Records

McHenry County property record for 3218 W Beach Dr, McHenry, IL 60050

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,026 sqft · built 1992
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (May 2022)
Tax Bill	$5,839 (2024)
Deeds & Mortgages	Feb 2024 Mortgage May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-02-476-013`

Property Details

APN / Parcel Number

Primary APN	`14-02-476-013`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,026 sqft Living Area
1st Floor Area	1,026 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Attached
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3218 W BEACH DR
City	MCHENRY
State	IL
Zip	60050-8312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2022R0019326 LT 1 BLK 23 MCHENRY SHORES UNIT 3
Legal Subdivision	MCHENRY SHORES UNIT 3
Legal Block	23
Legal Lot Number	1
Legal Unit	3
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	1
Census Block	1025
Census Tract	870809

Owner

3218 W Beach Dr is owned and occupied by two individuals who bought it in May 2022.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	3218 W BEACH DR, MCHENRY, IL 60050-8312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
May 31, 2022	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP
May 31, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2022 · Amount on File
Deed Sale	May 31, 2022 · Amount on File
Prior Sale	May 31, 2018 · Amount on File
Deed Document Number	202219326
Prior Transfer Date	Jan 1, 2001
Prior Transfer Doc	0000002497
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	3218 W BEACH DR, MCHENRY, IL 60050-8312
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3218 W BEACH DR, MCHENRY, IL 60050-8312

Mortgage

Document Number	0000003739
Date	Feb 20, 2024
Instrument	2024R0003739

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	340 Months
Due	Jun 1, 2052

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	May 31, 2022
Property Address	3218 W BEACH DR, MCHENRY, IL 60050-8312
Document Number	0000019326
Map Reference	DOC 12 PG 68
Instrument Date	May 27, 2022
Instrument	2022R0019326
Transaction Type	Transfer
Record Updated	Jun 9, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3218 W BEACH DR, 3218, MCHENRY, IL 60050-8312

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3218 W BEACH DR, MCHENRY, IL 60050-8312

Mortgage

Document Number	0000019327
Date	May 31, 2022
Instrument	2022R0019327

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	3218 W BEACH DR, MCHENRY, IL 60050-8312
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028880
Date	Jul 29, 2020
Instrument	2020R0028880

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company
Address	PALATINE, IL 60074

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	May 31, 2018
Property Address	3218 W BEACH DR, MCHENRY, IL 60050-8312
Document Number	0000017744
Map Reference	DOC306463 MB12 PG68
Instrument Date	May 21, 2018
Instrument	2018R0017744
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	HERITAGE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$283.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3218 W BEACH DR, MCHENRY, IL 60050-8312

Mortgage

Document Number	0000017745
Date	May 31, 2018
Instrument	2018R0017745

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

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	$5,839.00	$77,372 Land $16,714 Building $60,658	$232,116 Land $50,142 Building $181,974
2022	Homeowner's exemption	$63,472 Land $13,707 Building $49,765	$190,416 Land $41,121 Building $149,295

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 3218 W Beach Dr 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 3218 W Beach Dr 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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