403 Lincoln St, Harvard, IL 60033 Property Records

McHenry County property record for 403 Lincoln St, Harvard, IL 60033

Property Summary

Property Type	Single Family Home
Lot Size	0.137 acres (5,984 sqft)
Owner	Individual Name on File
Last Sale	$187,500 (Dec 2023)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-35-429-006`

Property Details

APN / Parcel Number

Primary APN	`01-35-429-006`

Exterior

Lot Area	5,984 sqft

Location & Zoning

Street Address	403 LINCOLN ST
City	HARVARD
State	IL
Zip	60033-3145
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0025298 S 45FT LT 7 BLK 21 HARTS 3RD ADDN CITY OF HARVARD
Legal Range	05E
Legal Township	46N
Legal Section	35
Legal Subdivision	HARTS 3RD ADD
Legal Block	21
Legal Lot Number	7
Jurisdiction	MCHENRY IL
Township / Civil Division	CHEMUNG
Census Block Group	1
Census Block	1008
Census Tract	870302

Owner

403 Lincoln St is owned and occupied by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	403 LINCOLN ST, HARVARD, IL 60033-3145
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA
Feb 21, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF OMAHA
Jul 8, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2023 · Amount on File
Deed Sale	Dec 7, 2023 · Amount on File
Prior Sale	Jul 8, 2020 · Amount on File
Deed Document Number	2023R0030835
Record Updated	Jun 7, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Dec 7, 2023
Property Address	403 LINCOLN ST, HARVARD, IL 60033-3145
Document Number	0000030835
Map Reference	DOC 1885
Instrument Date	Nov 29, 2023
Instrument	2023R0030835
Transaction Type	Transfer
Record Updated	Dec 19, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 LINCOLN ST, HARVARD, IL 60033-3145

Mortgage

Document Number	0000030836
Date	Dec 7, 2023
Instrument	2023R0030836

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	403 LINCOLN ST, HARVARD, IL 60033-3145
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006363
Date	Feb 21, 2020
Instrument	2020R0006363

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Max Rate	18%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jul 8, 2020
Property Address	403 LINCOLN ST, HARVARD, IL 60033-3145
Document Number	0000025298
Map Reference	MB 45 PG 26
Instrument Date	Jun 29, 2020
Instrument	2020R0025298
Transaction Type	Transfer
Record Updated	May 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 LINCOLN ST, HARVARD, IL 60033-3145

Mortgage

Document Number	0000025299
Date	Jul 8, 2020
Instrument	2020R0025299

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate	3.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Chemung Township
Municipality	Harvard City
Unified School District	Harvard Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$34,965 Land $4,687 Building $30,278	$104,895 Land $14,061 Building $90,834

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

FEMA maps place 403 Lincoln St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (2003–2013)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims

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

Wildfire risk around 403 Lincoln St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	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	HARVARD serves 9,469 people · EPA ID IL1110250
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	7 ppb (2026–2028) action level 15 ppb

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile, Verizon.

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