McHenry County property record for 402 S River Rd, Algonquin, IL 60102
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,365 sqft · built 1922 |
| Lot Size | 0.162 acres (7,097 sqft) |
| Owner | Individual Name on File |
| Deeds & Mortgages | May 2021 Line of Credit Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-34-162-001 |
| Primary APN | 19-34-162-001 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,365 sqft |
| Gross Area | 2,145 sqft |
| 1st Floor Area | 780 sqft |
| 2nd Floor Area | 585 sqft |
| Year Built | Built 1922 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Frame Siding |
| Lot Area | 7,097 sqft (0.162 acres) |
| Heating System | Forced Air |
|---|
| Street Address | 402 S RIVER RD |
|---|---|
| City | ALGONQUIN |
| State | IL |
| Zip | 60102-2843 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 92R011997 LT 8 DIERCKS ADDN |
| Legal Range | 08E |
| Legal Township | 43N |
| Legal Section | 34 |
| Legal Subdivision | DIERCKS ADD |
| Legal Block | 162 |
| Legal Lot Number | 8 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 871310 |
Source: McHenry County assessment roll, APN 19-34-162-001, as of January 1, 2022 · Last verified May 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 File |
|---|---|
| Mailing Address | 402 S RIVER RD, ALGONQUIN, IL 60102-2843 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2021 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Jun 16, 2017 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 402 S RIVER RD, ALGONQUIN, IL 60102-2843 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000025951 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 2021R0025951 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 402 S RIVER RD, ALGONQUIN, IL 60102-2843 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000021799 |
|---|---|
| Date | Jun 16, 2017 |
| Instrument | 2017R0021799 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2047 |
Source: McHenry County assessment roll as of January 1, 2022 · Last verified May 2024
| Type | Name |
|---|---|
| State | Illinois |
| Municipality | Algonquin Village |
| County | McHenry County |
| County Subdivision | Algonquin Township |
| Unified School District | Community Unit School District 300 (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $74,449 Land $25,172 Building $49,277 | $223,347 Land $75,516 Building $147,831 |
Source: FEMA National Flood Hazard Layer, McHenry County (17111C), as of February 28, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171118713102, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 5 (1978–2017) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Jul 2017 · river or lake flooding |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, 362 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
Source: EPA Safe Drinking Water Information System, water system IL1110050, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ALGONQUIN serves 30,700 people |
|---|---|
| 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 |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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