3814 Main St, McHenry, IL 60050 Property Records

McHenry County property record for 3814 Main St, McHenry, IL 60050

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,480 sqft · built 1908
Lot Size	0.233 acres (10,164 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Jul 2021)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-26-381-012`

Property Details

APN / Parcel Number

Primary APN	`09-26-381-012`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,480 sqft Living Area
Gross Area	3,720 sqft
1st Floor Area	1,240 sqft
Basement Area	1,240 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Lot Area	10,164 sqft
Lot Dimensions	132 ft deep x 77 ft wide
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	301 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Hot Water

Location & Zoning

Street Address	3814 MAIN ST
City	MCHENRY
State	IL
Zip	60050-5241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0038243 /EX ELY 55FT/ SLY 132FT LT 10 & /EX WLY 66FT/ SLY 132FT LT 11 BLK 2 ORIG PLAT W MCHENRY
Legal Range	08E
Legal Township	45N
Legal Section	26
Legal Block	2
Legal Lot Number	10-11
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	1
Census Block	1014
Census Tract	870606

Owner

Source: McHenry County records, as of May 13, 2024

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

Owner of Record	Individual Name on Record
Mailing Address	3814 MAIN ST, MCHENRY, IL 60050-5241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Jul 14, 2021	Warranty Deed, Transfer · Conventional Mortgage BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2021 · Amount on Record
Deed Sale	Jul 14, 2021 · Amount on Record
Deed Document Number	2021R0038243
Record Updated	Jun 7, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	3814 MAIN ST, MCHENRY, IL 60050-5241
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3814 MAIN ST, MCHENRY, IL 60050-5241

Mortgage

Document Number	0000029203
Date	Oct 21, 2025
Instrument	2025R0029203

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2055

Interest

Rate Type	Adjustable Rate
Rate	9.65%
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jul 14, 2021
Property Address	3814 MAIN ST, MCHENRY, IL 60050-5241
Document Number	0000038243
Map Reference	MB 24 PG 22
Instrument Date	Jun 17, 2021
Instrument	2021R0038243
Transaction Type	Transfer
Record Updated	Jul 26, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3814 MAIN ST, MCHENRY, IL 60050-5241

Mortgage

Document Number	0000038244
Date	Jul 14, 2021
Instrument	2021R0038244

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate	3.25%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2022

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
2022	Homeowner's exemption	$92,487 Land $12,781 Building $79,706	$277,461 Land $38,343 Building $239,118

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.

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

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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