3820 Reserve Dr, Algonquin, IL 60102 Property Records

McHenry County property record for 3820 Reserve Dr, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Lot Size	0.279 acres (12,158 sqft)
Owner	Individual Name on Record
Last Sale	$421,276 (Apr 2018)
Deeds & Mortgages	Jan 2020 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-36-376-025`

Property Details

APN / Parcel Number

Primary APN	`18-36-376-025`

Exterior

Lot Area	12,158 sqft

Location & Zoning

Street Address	3820 RESERVE DR
City	ALGONQUIN
State	IL
Zip	60102-6333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2018R0011271 LT 127 THE COVE UNIT III SINGLE FAMILY RESUB
Legal Subdivision	COVE #III SINGLE FAMILY RESUB
Legal Lot Number	127
Legal Unit	3
Jurisdiction	MCHENRY IL
Township / Civil Division	GRAFTON
Census Block Group	3
Census Block	3018
Census Tract	871107

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3820 RESERVE DR, ALGONQUIN, IL 60102-6333
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Apr 10, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2018 · Amount on Record
Deed Sale	Apr 10, 2018 · Amount on Record
Prior Sale	Oct 3, 2016 · Amount on Record
Deed Document Number	2018R0011271
Record Updated	Jun 7, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	3820 RESERVE DR, ALGONQUIN, IL 60102-6333
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACQUEST TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000085
Date	Jan 2, 2020
Instrument	2020R0000085

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

April 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 10, 2018
Property Address	3820 RESERVE DR, ALGONQUIN, IL 60102-6333
Document Number	0000011271
Map Reference	DOC2013R0049589
Instrument Date	Apr 6, 2018
Instrument	2018R0011271
Transaction Type	Subdivision Related Transfer
Record Updated	May 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$632.25
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6090 IRENE DR, HOFFMAN ESTATES, IL 60192-4579

Mortgage

Document Number	0000011272
Date	Apr 10, 2018
Instrument	2018R0011272

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.49%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Algonquin Village
County	McHenry County
County Subdivision	Grafton Township
Unified School District	Huntley Consolidated School District 158 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$160,505 Land $14,480 Building $146,025	$481,515 Land $43,440 Building $438,075

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ALGONQUIN serves 30,700 people · EPA ID IL1110050
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2026–2028) action level 15 ppb
Copper	1.6 mg/L (2022–2024) action level 1.3 mg/L

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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