3314 Chestnut Dr, McHenry, IL 60051 Property Records

McHenry County property record for 3314 Chestnut Dr, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,119 sqft · built 1991
Lot Size	0.232 acres (10,019 sqft)
Owner	Individual Name on Record
Tax Bill	$9,002 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-228-004`

Property Details

APN / Parcel Number

Primary APN	`09-26-228-004`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,119 sqft Living Area
1st Floor Area	1,283 sqft
Basement Area	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,019 sqft (0.232 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	216 sqft
Deck Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3314 CHESTNUT DR
City	MCHENRY
State	IL
Zip	60051-2690
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0042339 LT 45 OAKS OF MCHENRY PHASE 1
Legal Subdivision	OAKS OF MCHENRY PHASE 1
Legal Phase	1
Legal Block	228
Legal Lot Number	45
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	3
Census Block	3016
Census Tract	870604

Owner

Source: McHenry County records, as of July 13, 2026

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	Individual Name on Record
Mailing Address	3314 CHESTNUT DR, MCHENRY, IL 60051-2690
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Intrafamily Transfer, Transfer · VA Mortgage NEW AMERICAN FUNDING
Oct 13, 2020	Intrafamily Transfer, Transfer · VA Mortgage PLANET HOME LENDING LLC
Sep 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2026
Deed Sale	Mar 9, 2026
Prior Sale	Oct 13, 2020
Deed Document Number	20266177
Prior Transfer Date	Feb 17, 2026
Prior Transfer Doc	0000006177
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Mar 9, 2026
Property Address	3314 CHESTNUT DR, MCHENRY, IL 60051-2690
Document Number	0000006177
Map Reference	DOC 90R46649
Instrument Date	Feb 17, 2024
Instrument	2026R0006177
Transaction Type	Transfer
Record Updated	Mar 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3314 CHESTNUT DR, MCHENRY, IL 60051-2690

Mortgage

Document Number	0000006178
Date	Mar 9, 2026
Instrument	2026R0006178

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	5.37%
Index	1-Year CMT
Margin	2
Max Rate	9.37%

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Oct 13, 2020
Property Address	3314 CHESTNUT DR, MCHENRY, IL 60051-2690
Document Number	0000042339
Map Reference	DOC 90R46649
Instrument Date	Sep 25, 2020
Instrument	2020R0042339
Transaction Type	Transfer
Record Updated	May 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3314 CHESTNUT DR, MCHENRY, IL 60051-2690

Mortgage

Document Number	0000042340
Date	Oct 13, 2020
Instrument	2020R0042340

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 10, 2019
Property Address	3314 CHESTNUT DR, MCHENRY, IL 60051-2690
Document Number	0000029605
Instrument Date	Sep 9, 2019
Instrument	29605
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3314 CHESTNUT DR MCHENRY IL 600512690, MCHENRY, IL 60051-2690

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	McHenry 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	$9,002.00	$106,423 (+20.32%) Land $17,601 Building $88,822	$319,269 (+20.32%) Land $52,803 Building $266,466
2022		$88,453 Land $14,629 Building $73,824	$265,359 Land $43,887 Building $221,472

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 28, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 79% 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	MCHENRY serves 22,335 people · EPA ID IL1110600
Water Source	Groundwater
Last State Inspection	May 2023
Lead	7 ppb (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	23 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 291 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: Verizon.

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