McHenry County property record for 364 Millard Ave, Crystal Lake, IL 60014
| Property Type | Single Family Home |
|---|---|
| Details | 1,446 sqft · built 1985 |
| Lot Size | 0.143 acres (6,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Aug 2016) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-01-306-019 |
| Primary APN | 18-01-306-019 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,446 sqft Living Area |
| Year Built | Built 1985 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 6,250 sqft (0.143 acres) |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|
| Street Address | 364 MILLARD AVE |
|---|---|
| City | CRYSTAL LAKE |
| State | IL |
| Zip | 60014-5165 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2016R0030205 LT 21 BLK 14 CRYSTAL LAKE GARDENS MEMO: HOLMES, LEWIS E/ CHRISTENSEN, CHRISTINE R |
| Legal Range | 07E |
| Legal Township | 43N |
| Legal Section | 01 |
| Legal Subdivision | CRYSTAL LAKE GARDENS |
| Legal Block | 14 |
| Legal Lot Number | 21 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | GRAFTON |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 871112 |
364 Millard Ave is owned and occupied by an individual who bought it in August 2016.
Source: McHenry County records, as of May 13, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 364 MILLARD AVE, CRYSTAL LAKE, IL 60014-5165 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2016 · Amount on File |
| Deed Sale | Aug 16, 2016 · Amount on File |
| Prior Sale | Jun 22, 2012 · Amount on File |
| Deed Document Number | 2016R0030205 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 364 MILLARD AVE, CRYSTAL LAKE, IL 60014-5165 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002670 |
|---|---|
| Date | Jan 14, 2021 |
| Instrument | 2021R0002670 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.17% |
Source: McHenry County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Grafton Township |
| Municipality | Crystal Lake City |
| Elementary School District | Crystal Lake Community Consolidated School District 47 (PK - 08) |
| Secondary School District | Community High School District 155 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Disabled Person's exemption | $66,709 Land $6,478 Building $60,231 | $200,127 Land $19,434 Building $180,693 |
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.
FEMA maps place 364 Millard Ave 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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 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.
The area around 364 Millard Ave 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CRYSTAL LAKE serves 40,661 people · EPA ID IL1110150 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 7 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 12 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 290 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 Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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