McHenry County property record for 406 Eugene St, Crystal Lake, IL 60014
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,344 sqft · built 1957 |
| Lot Size | 0.226 acres (9,837 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Aug 2022) |
| Tax Bill | $7,446 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage Feb 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-05-451-009 |
| Primary APN | 19-05-451-009 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 1,344 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Lot Area | 9,837 sqft (0.226 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 406 EUGENE ST |
|---|---|
| City | CRYSTAL LAKE |
| State | IL |
| Zip | 60014-7208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2022R0028922 LT 101 COLBYS HOME ESTATES 2ND ADDN MEMO: SKENDERI, MEHMED M/EVANS, SHANE W |
| Legal Subdivision | COLBYS HOME ESTATES 2ND ADDN |
| Legal Block | 451 |
| Legal Lot Number | 101 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 871301 |
406 Eugene St is owned and occupied by an individual who acquired it in October 2025.
Source: McHenry County records, as of March 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 406 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Feb 25, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Aug 17, 2022 | Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Aug 7, 2019 | Deed, Transfer · FHA Mortgage AMERICAN PORTFOLIO MORTGAGE CORP |
| Feb 28, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2022 · Amount on File |
| Deed Sale | Aug 17, 2022 · Amount on File |
| Prior Sale | Aug 7, 2019 · Amount on File |
| Deed Document Number | 202228922 |
| Last Transfer Date | Oct 4, 2025 |
| Transfer Doc | 0000005037 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 406 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0000020511 |
|---|---|
| Date | Apr 14, 2021 |
| Instrument | 2021R0020511 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Feb 25, 2026 |
| Property Address | 406 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Document Number | 0000005037 |
| Map Reference | DOC 4513005 |
| Instrument Date | Oct 4, 2025 |
| Instrument | 2026R0005037 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2026 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 406 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Name | Verified Name |
|---|---|
| Address | 406 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Document Number | 0000005038 |
|---|---|
| Date | Feb 25, 2026 |
| Instrument | 2026R0005038 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate | 5.87% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Aug 17, 2022 |
| Property Address | 406 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Document Number | 0000028922 |
| Map Reference | MB 13 PG 30 |
| Instrument Date | Aug 10, 2022 |
| Instrument | 2022R0028922 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2022 |
| Title Company | BAIRD & WARNER TTL SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $265.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 111 W BRANDON CT UNIT 24, 24, PALATINE, IL 60067-3476 |
| Document Number | 0000028923 |
|---|---|
| Date | Aug 17, 2022 |
| Instrument | 2022R0028923 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.62% |
| Document Number | 0000028924 |
|---|---|
| Date | Aug 17, 2022 |
| Instrument | 2022R0028924 |
| Name | ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | CHICAGO, IL 60601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2032 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Aug 7, 2019 |
| Property Address | 406 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Document Number | 0000024947 |
| Map Reference | DOC325120MB13PG30 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 2019R0024947 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $312.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 406 EUGENE ST, 406, CRYSTAL LAKE, IL 60014-7208 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 406 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Document Number | 0000024948 |
|---|---|
| Date | Aug 7, 2019 |
| Instrument | 2019R0024948 |
| Name | AMERICAN PORTFOLIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
| Index | 5-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Feb 28, 2018 |
| Property Address | 406 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Document Number | 0000006191 |
| Instrument Date | Feb 19, 2018 |
| Instrument | 6191 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 406 EUGENE ST CRYSTAL LAKE IL 600147208, CRYSTAL LAKE, IL 60014-7208 |
Source: McHenry County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Algonquin Township |
| Municipality | Crystal Lake City |
| Elementary School District | Crystal Lake Community Consolidated School District 47 (PK - 08) |
| Secondary School District | Community High School District 155 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $7,446.00 Homeowner's exemption | $95,958 Land $20,216 Building $75,742 | $287,874 Land $60,648 Building $227,226 |
| 2022 | Homeowner's exemption | $76,235 Land $16,565 Building $59,670 | $228,705 Land $49,695 Building $179,010 |
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 406 Eugene St 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 406 Eugene St 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 | CRYSTAL LAKE serves 40,661 people · EPA ID IL1110150 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 7 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 12 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 224 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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