400 Ridge St, Algonquin, IL 60102 Property Records

McHenry County property record for 400 Ridge St, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,576 sqft · built 1956
Lot Size	0.27 acres (11,760 sqft)
Owner	Company Name on Record
Last Sale	$165,000 (Oct 2010)
Tax Bill	$6,822 (2024)
Deeds & Mortgages	Oct 2025 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-34-182-012`

Property Details

APN / Parcel Number

Primary APN	`19-34-182-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,576 sqft Living Area
1st Floor Area	1,472 sqft
Basement Area	1,472 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Lot Area	11,760 sqft (0.27 acres)
Lot Dimensions	140 ft deep x 84 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	400 RIDGE ST
City	ALGONQUIN
State	IL
Zip	60102-2833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0048212 LT 10 & NWLY 4FT LT 11 BLK 7 JANAKS 2ND ADDN
Legal Subdivision	JANAKS 2ND ADDN
Legal Block	7
Legal Lot Number	10,11
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1025
Census Tract	871404

Owner

Source: McHenry County records, as of March 27, 2026

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	400 RIDGE ST, ALGONQUIN, IL 60102-2833
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 2, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Aug 29, 2019	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2010 · Amount on Record
Deed Sale	Oct 1, 2010 · Amount on Record
Deed Document Number	201043517
Last Transfer Date	Sep 2, 2021
Transfer Doc	0000048212
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	400 RIDGE ST, ALGONQUIN, IL 60102-2833
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 RIDGE ST, ALGONQUIN, IL 60102-2833

Mortgage

Document Number	0000029941
Date	Oct 28, 2025
Instrument	2025R0029941

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2055

Interest

Rate Type	Adjustable Rate
Rate	8.75%
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	400 RIDGE ST, ALGONQUIN, IL 60102-2833
Transaction Type	Mortgage
Record Updated	Nov 16, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060100
Date	Nov 5, 2021
Instrument	2021R0060100

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.25%

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Sep 2, 2021
Property Address	400 RIDGE ST, ALGONQUIN, IL 60102-2833
Document Number	0000048212
Map Reference	DOC 294995
Instrument Date	Sep 2, 2021
Instrument	2021R0048212
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

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
Address	400 RIDGE ST, ALGONQUIN, IL 60102-2833

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	400 RIDGE ST, ALGONQUIN, IL 60102-2833
Transaction Type	Mortgage
Record Updated	May 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028028
Date	Aug 29, 2019
Instrument	2019R0028028

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.99%
Change Frequency	Monthly

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Algonquin Village
County	McHenry County
County Subdivision	Algonquin Township
Unified School District	Community Unit School District 300 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$6,822.00	$87,218 (+24.06%) Land $13,815 Building $73,403	$261,654 (+24.06%) Land $41,445 Building $220,209
2022		$70,305 Land $17,250 Building $53,055	$210,915 Land $51,750 Building $159,165

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 · 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 Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2017

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

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

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

May also be available: Verizon.

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