McHenry County property record for 3903 Oak Ave, McHenry, IL 60050
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 1,450 sqft · built 1956 |
| Lot Size | 0.199 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (Jan 2025) |
| Tax Bill | $5,298 (2024) |
| Deeds & Mortgages | Apr 2026 Sale May 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-35-156-006 |
| Primary APN | 09-35-156-006 |
|---|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 3 Half Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,450 sqft Living Area |
| 1st Floor Area | 1,450 sqft |
| Basement Area | 1,450 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | A-Frame |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 8,712 sqft (0.199 acres) |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 36 sqft |
| Street Address | 3903 OAK AVE |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60050-5532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2025R0000948 LT 4 BLK 4 WATTLES 2ND ADDN |
| Legal Subdivision | WATTLES 2ND ADDN |
| Legal Block | 4 |
| Legal Lot Number | 4 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | MCHENRY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 870606 |
3903 Oak Ave is owned and occupied by an individual who bought it in January 2025.
Source: McHenry County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3903 OAK AVE, MCHENRY, IL 60050-5532 |
| 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.
| Date | Document |
|---|---|
| Apr 23, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| May 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Dec 3, 2018 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 13, 2025 · Amount on File |
| Deed Sale | Jan 13, 2025 · Amount on File |
| Prior Sale | Dec 3, 2018 · Amount on File |
| Deed Document Number | 2025948 |
| Prior Transfer Date | Nov 6, 2003 |
| Prior Transfer Doc | 0000158100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Apr 23, 2026 |
| Property Address | 3903 OAK AVE, MCHENRY, IL 60050-5532 |
| Document Number | 0000011099 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 202611099 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3903 OAK AVE, MCHENRY, IL 60050-5532 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 3903 OAK AVE, MCHENRY, IL 60050-5532 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3903 OAK AVE, MCHENRY, IL 60050-5532 |
| Document Number | 0000017222 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 2022R0017222 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Dec 3, 2018 |
| Property Address | 3903 OAK AVE, MCHENRY, IL 60050-5532 |
| Document Number | 0000040844 |
| Map Reference | MB5 PG94 |
| Instrument Date | Nov 26, 2018 |
| Instrument | 2018R0040844 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | CHICAGO TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3903 OAK AVE, MCHENRY, IL 60050-5532 |
| Document Number | 0000040845 |
|---|---|
| Date | Dec 3, 2018 |
| Instrument | 2018R0040845 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2048 |
Source: McHenry County assessment roll, as of March 27, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $5,298.00 | $70,636 Land $11,770 Building $58,866 | $211,908 Land $35,310 Building $176,598 |
| 2022 | Homeowner's exemption | $58,710 Land $9,783 Building $48,927 | $176,130 Land $29,349 Building $146,781 |
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 3903 Oak Ave in Zone X, an area of minimal flood risk.
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.
The area around 3903 Oak 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 | MCHENRY serves 22,335 people · EPA ID IL1110600 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2023 |
| Lead | 7 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 202 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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