3815 Main St, McHenry, IL 60050 Property Records

McHenry County property record for 3815 Main St, McHenry, IL 60050

Property Summary

Property Type	Commercial
Details	2,152 sqft · built 1890
Lot Size	0.061 acres (2,614 sqft)
Owner	Company Name on Record
Last Sale	$135,000 (Nov 2018)
Tax Bill	$6,370 (2024)
Deeds & Mortgages	Jun 2023 Line of Credit Sep 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-356-003`

Property Details

APN / Parcel Number

Primary APN	`09-26-356-003`

Interior

Units	7 Units
Building Area	2,152 sqft Total Area
1st Floor Area	1,076 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	2,614 sqft (0.061 acres)
Deck Area	180 sqft

Location & Zoning

Street Address	3815 MAIN ST
City	MCHENRY
State	IL
Zip	60050-5272
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	DOC 2021R0053217 NWLY 20FT LT 5 BLK 5 ORIG PLAT W MCHENRY
Legal Subdivision	ORIG PLAT W MCHENRY
Legal Block	5
Legal Lot Number	5
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	1
Census Block	1018
Census Tract	870606

Owner

Source: McHenry County records, as of June 30, 2025

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	1814 RIVER TERRACE DR, JOHNSBURG, IL 60051-3403
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Deed of Trust, Mortgage · Line of Credit STATE BANK
Sep 30, 2021	Intrafamily Transfer, Transfer
Nov 5, 2018	Special Warranty Deed, Transfer · Commercial Mortgage STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2018 · Amount on Record
Deed Sale	Nov 5, 2018 · Amount on Record
Prior Sale	Nov 16, 1998 · Amount on Record
Deed Document Number	201837820
Prior Transfer Date	Dec 1, 1993
Prior Transfer Doc	0000074417
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	3815 MAIN ST, MCHENRY, IL 60050-5272
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	ATA/GMT TITLE AGENCY, ATA GMT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015524
Date	Jun 28, 2023
Instrument	2023R0015524

Lender

Name	STATE BANK
Type	Bank
Address	HARVARD, IL 60033

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Jun 5, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Sep 30, 2021
Property Address	3815 MAIN ST, MCHENRY, IL 60050-5272
Document Number	0000053217
Instrument Date	Sep 29, 2021
Instrument	2021R0053217
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Living Trust
Address	1814 RIVER TERRACE DR, JOHNSBURG, IL 60051-3403

November 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 5, 2018
Property Address	3815 MAIN ST, MCHENRY, IL 60050-5272
Document Number	0000037820
Map Reference	MB24 PG23
Instrument Date	Oct 27, 2018
Instrument	2018R0037820
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 S PRESIDENT ST # 1104, 1104, CAROL STREAM, IL 60188-3221

Mortgage

Document Number	0000037821
Date	Nov 5, 2018
Instrument	2018R0037821

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 5, 2043

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Min Rate At Change	2.98%
Max Rate At Change	3%
Max Rate	6%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of June 30, 2025

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	$6,370.00	$75,308 (+20.32%) Land $16,110 Building $59,198	$225,924 (+20.32%) Land $48,330 Building $177,594
2022		$62,592 Land $13,390 Building $49,202	$187,776 Land $40,170 Building $147,606

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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