McHenry County property record for 322 S River Rd, Algonquin, IL 60102
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,314 sqft · built 1993 |
| Lot Size | 0.221 acres (9,634 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $88,000 (May 2020) |
| Tax Bill | $6,829 (2024) |
| Deeds & Mortgages | Apr 2024 Line of Credit Feb 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-34-177-003 |
| Primary APN | 19-34-177-003 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,314 sqft Living Area |
| 1st Floor Area | 1,314 sqft |
| Basement Area | 1,314 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Lot Area | 9,634 sqft (0.221 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 322 S RIVER RD |
|---|---|
| City | ALGONQUIN |
| State | IL |
| Zip | 60102-2841 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2020R0016578 LT 2 RIVERS EDGE SUB |
| Legal Subdivision | RIVERS EDGE SUB |
| Legal Block | 177 |
| Legal Lot Number | 2 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 871310 |
Source: McHenry County records, as of March 27, 2026
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 | 322 S RIVER RD, ALGONQUIN, IL 60102-2841 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2024 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Feb 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE |
| Nov 2, 2021 | Deed of Trust, Mortgage · Line of Credit CRYSTAL LAKE BANK & TRUST COMPANY NA |
| May 12, 2020 | Grant Deed, Transfer · Line of Credit CRYSTAL LAKE BK&TR |
| Feb 12, 2020 | Court-Ordered Deed, Foreclosure ATTORNEY ONLY |
| Jan 29, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2020 · Amount on Record |
| Deed Sale | May 12, 2020 · Amount on Record |
| Prior Sale | Feb 12, 2020 |
| Deed Document Number | 202016578 |
| Prior Transfer Date | Jan 12, 2018 |
| Prior Transfer Doc | 0000003018 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 322 S RIVER RD, ALGONQUIN, IL 60102-2841 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000009102 |
|---|---|
| Date | Apr 17, 2024 |
| Instrument | 2024R0009102 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 27, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 322 S RIVER RD, ALGONQUIN, IL 60102-2841 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000007131 |
|---|---|
| Date | Feb 23, 2022 |
| Instrument | 2022R0007131 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 322 S RIVER RD, ALGONQUIN, IL 60102-2841 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000059228 |
|---|---|
| Date | Nov 2, 2021 |
| Instrument | 2021R0059228 |
| Name | CRYSTAL LAKE BANK & TRUST COMPANY NA |
|---|---|
| Type | Bank |
| Address | CRYSTAL LAKE, IL 60014 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | May 12, 2020 |
| Property Address | 322 S RIVER RD, ALGONQUIN, IL 60102-2841 |
| Document Number | 0000016578 |
| Instrument Date | Apr 2, 2020 |
| Instrument | 16578 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $263.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1008 INTERLOCH CT ALGONQUIN IL 601024110, ALGONQUIN, IL 60102-4110 |
| Document Number | 16579 |
|---|---|
| Date | May 12, 2020 |
| Instrument | 16579 |
| Name | CRYSTAL LAKE BK&TR |
|---|---|
| Type | Bank |
| Address | CRYSTAL LAKE, IL 60014 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Court-Ordered Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Feb 12, 2020 |
| Property Address | 322 S RIVER RD, ALGONQUIN, IL 60102-2841 |
| Document Number | 0000005302 |
| Instrument Date | Feb 10, 2020 |
| Instrument | 5302 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4000 HORIZON WAY IRVING TX 750632260, IRVING, TX 75063-2260 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jan 29, 2018 |
| Property Address | 322 S RIVER RD, ALGONQUIN, IL 60102-2841 |
| Document Number | 0000003018 |
| Instrument Date | Jan 12, 2018 |
| Instrument | 3018 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 322 S RIVER DR ALGONQUIN IL 60102, ALGONQUIN, IL 60102 |
Source: McHenry County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| Municipality | Algonquin Village |
| County | McHenry County |
| County Subdivision | Algonquin Township |
| Unified School District | Community Unit School District 300 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $6,829.00 | $103,299 (+7.5%) Land $14,691 Building $88,608 | $309,897 (+7.5%) Land $44,073 Building $265,824 |
| 2022 | Homeowner's exemption | $96,088 Land $29,842 Building $66,246 | $288,264 Land $89,526 Building $198,738 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 5 (1978–2017) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Jul 2017 · river or lake 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 362 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 Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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