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407 Ratzlaff St, Harvard, IL 60033 Property Records

McHenry County property record for 407 Ratzlaff St, Harvard, IL 60033 · Last verified May 2024

Property Summary

Property TypeSingle Family Home
Lot Size0.26 acres (11,329 sqft)
OwnerIndividual Name on File
Last Sale$190,000 (Jul 2021)
Deeds & MortgagesJul 2021 Sale & Mortgage
Jan 2021 Loan Modification
Flood ZoneZone X (minimal risk)
APN01-35-302-018

Property Details

APN / Parcel Number

Primary APN01-35-302-018

Exterior

Lot Area11,329 sqft

Location & Zoning

Street Address407 RATZLAFF ST
CityHARVARD
StateIL
Zip60033-2655
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 2021R0038440 LT 17 BLK 8 E E AYERS ADDN MEMO: ROJAS, SILVINO AQUINO/ ORTIZ, FLORENCIA MARTHA DIAZ
Legal Range05E
Legal Township46N
Legal Section35
Legal SubdivisionE E AYERS ADD
Legal Block8
Legal Lot Number17
JurisdictionMCHENRY IL
Township / Civil DivisionCHEMUNG
Census Block Group3
Census Block3013
Census Tract870302

Owner

Source: McHenry County records · APN 01-35-302-018

Assessment roll updated 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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address407 RATZLAFF ST, HARVARD, IL 60033-2655
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 14, 2021Warranty Deed, Transfer · Conventional Mortgage
ACC MORTGAGE INC
Jan 07, 2021Loan Modification, Mortgage · FHA Mortgage
MR COOPER

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 14, 2021 · Amount on Record
Deed SaleJul 14, 2021 · Amount on Record
Prior SaleJul 14, 2006
Deed Document Number2021R0038440
Record UpdatedJun 07, 2026

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCHENRY IL
Recording DateJul 14, 2021
Property Address407 RATZLAFF ST, HARVARD, IL 60033-2655
Document Number0000038440
Map ReferenceMB 59 PG 344
Instrument DateJun 22, 2021
Instrument2021R0038440
Transaction TypeTransfer
Record UpdatedJul 26, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$190.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2719 MYANG AVE, 2719, MCHENRY, IL 60050-2837

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address407 RATZLAFF ST, HARVARD, IL 60033-2655

Mortgage

Document Number0000038441
DateJul 14, 2021
Instrument2021R0038441
Lender
NameACC MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2051
Interest
Rate TypeFixed Rate
Rate5.99%

January 2021: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMCHENRY IL
Property Address407 RATZLAFF ST, HARVARD, IL 60033-2655
Document Number0000002730
Instrument DateJan 07, 2021
Transaction TypeMortgage
Record UpdatedFeb 17, 2021
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

NameVerified Name
Address407 RATZLAFF ST HARVARD IL 600332655, HARVARD, IL 60033-2655

Mortgage

Document Number0000002730
DateJan 14, 2021
Instrument2730
Lender
NameMR COOPER
AddressCOPPELL, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 13, 2051
Interest
Rate2.75%

Tax Assessment & Valuation

Source: McHenry County records · Assessment roll updated January 1, 2022 · Last verified May 2024

Property Jurisdictions

TypeName
StateIllinois
CountyMcHenry County
County SubdivisionChemung Township
MunicipalityHarvard City
Unified School DistrictHarvard Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2022Homeowner's exemption$46,527 Land $10,179 Building $36,348$139,581 Land $30,537 Building $109,044

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McHenry County (17111C), updated February 28, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171118703023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies6 in force
Nearby Flood Claims1 (2026)
Most Recent ClaimApr 2026, river or lake flooding

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 164 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Surf Air WirelessFiber8,000 / 8,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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