McHenry County property record for 409 S Hubbard St, Algonquin, IL 60102
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,542 sqft · built 1958 |
| Lot Size | 0.242 acres (10,560 sqft) |
| Owner | Individual Name on File |
| Deeds & Mortgages | Oct 2025 Second Mortgage Apr 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-34-184-002 |
| Primary APN | 19-34-184-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,542 sqft |
| Gross Area | 2,756 sqft |
| 1st Floor Area | 1,542 sqft |
| Year Built | Built 1958 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Frame Siding |
| Lot Area | 10,560 sqft (0.242 acres) |
| Lot Dimensions | 132 ft deep x 80 ft wide |
| Heating System | Forced Air |
|---|
| Street Address | 409 S HUBBARD ST |
|---|---|
| City | ALGONQUIN |
| State | IL |
| Zip | 60102-2813 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2013R0006683 LT 4 BLK 2 JANAKS ADDN |
| Legal Range | 08E |
| Legal Township | 43N |
| Legal Section | 34 |
| Legal Subdivision | JANAKS ADD |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 871310 |
409 S Hubbard St is owned and occupied by an individual who acquired it in April 2024.
Source: McHenry County records, as of May 13, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 S HUBBARD ST, ALGONQUIN, IL 60102-2813 |
| 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.
| Date | Document |
|---|---|
| Oct 6, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CONSUMERS CU |
| Apr 11, 2024 | Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CU |
| Deed Names | Name on Deed |
|---|---|
| Prior Sale | Feb 4, 2013 |
| Last Transfer Date | Apr 11, 2024 |
| Transfer Doc | 0000008646 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 409 S HUBBARD ST, ALGONQUIN, IL 60102-2813 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Title Company | AMERICAN NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000027479 |
|---|---|
| Date | Oct 6, 2025 |
| Instrument | 2025R0027479 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Address | LAKE FOREST, IL 60045 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2035 |
| Rate | 7.5% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Apr 11, 2024 |
| Property Address | 409 S HUBBARD ST, ALGONQUIN, IL 60102-2813 |
| Document Number | 0000008646 |
| Map Reference | DOC 278043 MB11PG108 |
| Instrument Date | Apr 1, 2024 |
| Instrument | 2024R0008646 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 S HUBBARD ST, ALGONQUIN, IL 60102-2813 |
| Document Number | 0000008647 |
|---|---|
| Date | Apr 11, 2024 |
| Instrument | 2024R0008647 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.12% |
Source: McHenry County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| Municipality | Algonquin Village |
| County | McHenry County |
| County Subdivision | Algonquin Township |
| Unified School District | Community Unit School District 300 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $65,750 Land $19,202 Building $46,548 | $197,250 Land $57,606 Building $139,644 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 S Hubbard St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.
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 | 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 |
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 risk around 409 S Hubbard St is low, with less than 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 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 362 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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