3402 W Elm St, McHenry, IL 60050 Property Records

McHenry County property record for 3402 W Elm St, McHenry, IL 60050

Property Summary

Property Type	Commercial
Details	2,700 sqft · built 1882
Lot Size	0.097 acres (8,712 sqft)
Owner	Company Name on Record
Last Sale	$550,000 (Jul 2026)
Tax Bill	$7,609 (2024)
Deeds & Mortgages	Jul 2026 Sale May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-452-017`

Property Details

APN / Parcel Number

Primary APN	`09-26-452-017`

Interior

Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,700 sqft Total Area
1st Floor Area	1,390 sqft
Attic	Attic
Attic Area	655 sqft
Basement Area	1,310 sqft

Exterior

Year Built	Built 1882
Effective Year Built	Effective 1882
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,712 sqft (0.097 acres)
Porch	Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3402 W ELM ST
City	MCHENRY
State	IL
Zip	60050-4433
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	DOC 2023R0023028 LT 12 /EX WLY 68FT/ BLK 20 ORIG PLAT MCHENRY (WEST SIDE FOX RIVER) MEMO: ZIEBEL, DEAN F/VALERIE G REV TR
Legal Subdivision	ORIG PLAT MCHENRY
Legal Block	20
Legal Lot Number	12
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	3
Census Block	3043
Census Tract	870604

Owner

Source: McHenry County records, as of September 4, 2026

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

Owner of Record	Company Name on Record
Mailing Address	4 WASHINGTON ST, INGLESIDE, IL 60041
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Re-recorded Document CHICAGO TITLE
May 4, 2026	Warranty Deed, Transfer · Conventional Mortgage E-CHICAGO TITLE, CHICAGO TITLE
Dec 12, 2017	Deed of Trust, Mortgage · Commercial Mortgage MCHENRY SAVINGS BANK
Nov 16, 2018	Warranty Deed, Transfer · Commercial Mortgage HOME STATE BANK NA
Sep 29, 2017	Grant Deed, Foreclosure FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2026 · Amount on Record
Deed Sale	Jul 2, 2026 · Amount on Record
Prior Sale	May 4, 2026 · Amount on Record
Deed Document Number	202618912
Prior Transfer Date	May 16, 2017
Prior Transfer Doc	0000036054
Record Updated	Oct 29, 2026

July 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MCHENRY IL
Recording Date	Jul 2, 2026
Property Address	3402 W ELM ST, MCHENRY, IL 60050-4433
Document Number	0000018912
Instrument Date	Jul 2, 2026
Instrument	202618912
Record Updated	Aug 30, 2026
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$83,325.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	May 4, 2026
Property Address	3402 W ELM ST, MCHENRY, IL 60050-4433
Document Number	0000012248
Instrument Date	Apr 28, 2026
Instrument	2026.12248
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$83,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000012249,
Date	May 4, 2026
Instrument	2026.12249

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	3402 W ELM ST, MCHENRY, IL 60050-4433
Transaction Type	Mortgage
Record Updated	Jun 7, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045882
Date	Dec 12, 2017
Instrument	2017R0045882

Lender

Name	MCHENRY SAVINGS BANK
Type	Bank
Address	MCHENRY, IL 60050

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2037

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 16, 2018
Property Address	3402 W ELM ST, MCHENRY, IL 60050-4433
Document Number	0000039253
Map Reference	MB B PG161
Instrument Date	Nov 15, 2018
Instrument	2018R0039253
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	HERITAGE TITL COE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$358.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3402 W ELM ST, MCHENRY, IL 60050-4433

Mortgage

Document Number	0000039254
Date	Nov 16, 2018
Instrument	2018R0039254

Lender

Name	HOME STATE BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 29, 2017
Property Address	3402 W ELM ST, MCHENRY, IL 60050-4433
Document Number	0000036054
Instrument Date	Apr 1, 2017
Instrument	36054
Transaction Type	Foreclosure
Record Updated	Jan 4, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1485 COMMERCE DR ALGONQUIN IL 601025916, ALGONQUIN, IL 60102-5916

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	$7,609.00	$89,950 (+20.32%) Land $22,873 Building $67,077	$269,850 (+20.32%) Land $68,619 Building $201,231
2022		$74,762 Land $19,011 Building $55,751	$224,286 Land $57,033 Building $167,253

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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	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 371 locations within half a mile, as of December 31, 2025

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

May also be available: i3 Broadband, Verizon.

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