McHenry County property record for 38 N Ayer St, Harvard, IL 60033
| Property Type | Commercial |
|---|---|
| Lot Size | 0.078 acres (3,412 sqft) |
| Owner | Company Name on File |
| Last Sale | $179,000 (Dec 2019) |
| Deeds & Mortgages | Dec 2019 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-35-407-014 |
| Primary APN | 01-35-407-014 |
|---|
| Lot Area | 3,412 sqft |
|---|
| Street Address | 38 N AYER ST |
|---|---|
| City | HARVARD |
| State | IL |
| Zip | 60033 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | DOC 2019R0041861 LT 5 BLK 6 ORIG PLAT CITY OF HARVARD |
| Legal Range | 05E |
| Legal Township | 46N |
| Legal Section | 35 |
| Legal Subdivision | HARVARD |
| Legal Block | 6 |
| Legal Lot Number | 5 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | CHEMUNG |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 870302 |
38 N Ayer St, a commercial property, is owned by a company that bought it in December 2019.
Source: McHenry County records, as of May 13, 2024
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 245 MCHENRY AVE, WOODSTOCK, IL 60098-3415 |
| Owner Type | Company |
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 | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2019 · Amount on File |
| Deed Sale | Dec 6, 2019 · Amount on File |
| Deed Document Number | 2019R0041861 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Dec 6, 2019 |
| Property Address | 38 N AYER ST, HARVARD, IL 60033 |
| Document Number | 0000041861 |
| Instrument Date | Dec 4, 2019 |
| Instrument | 41861 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $268.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 245 MCHENRY AVE WOODSTOCK IL 600983415, WOODSTOCK, IL 60098-3415 |
| Document Number | 41862 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 41862 |
| Name | HOME ST BK |
|---|---|
| Type | Bank |
| Address | CRYSTAL LAKE, IL 60014 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: McHenry County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Chemung Township |
| Municipality | Harvard City |
| Unified School District | Harvard Community Unit School District 50 (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2022 | $33,695 Land $6,913 Building $26,782 | $101,085 Land $20,739 Building $80,346 |
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 38 N Ayer St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.
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 | 6 in force |
| Nearby Flood Claims | 1 (2026) |
| Most Recent Claim | Apr 2026 · 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.
Wildfire risk around 38 N Ayer St is low, with less than a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HARVARD serves 9,469 people · EPA ID IL1110250 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 7 ppb (2026–2028) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 476 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Verizon.
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