McHenry County property record for 414 Bay Rd, McHenry, IL 60051
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1 acres (43,996 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (May 2017) |
| Tax Bill | $23,771 (2024) |
| Deeds & Mortgages | Oct 2021 Line of Credit Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-20-251-016 |
| Primary APN | 10-20-251-016 |
|---|
| Lot Area | 43,996 sqft (1 acres) |
|---|
| Street Address | 414 BAY RD |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60051-9612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2017R0018624 LT 4 WESTON LAKE ESTATES UNIT 2 |
| Legal Subdivision | WESTON LAKE ESTATES |
| Legal Block | 251 |
| Legal Lot Number | 4 |
| Legal Unit | 2 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | MCHENRY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 870702 |
414 Bay Rd is owned by two individuals who bought it in May 2017.
Source: McHenry County records, as of July 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 27864 IRMA LEE CIR, 103, LAKE FOREST, IL 60045-5114 |
| 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 12, 2021 | Deed of Trust, Mortgage · Line of Credit CONSUMERS CU |
| Sep 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ABBOTT LABORATORIES EMPLOYEES CU |
| Sep 5, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage WINTRUST MTG |
| May 24, 2017 | Grant Deed, Transfer FIDELITY NATIONAL TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2017 · Amount on File |
| Deed Sale | May 24, 2017 · Amount on File |
| Deed Document Number | 201718624 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 414 BAY RD, MCHENRY, IL 60051-9612 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000055248 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 2021R0055248 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Address | GURNEE, IL 60031 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Sep 20, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 414 BAY RD, MCHENRY, IL 60051-9612 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000035677 |
|---|---|
| Date | Sep 8, 2020 |
| Instrument | 2020R0035677 |
| Name | ABBOTT LABORATORIES EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | GURNEE, IL 60031 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Sep 5, 2017 |
| Property Address | 414 BAY RD, MCHENRY, IL 60051-9612 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 32900 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 12, 2017 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1009 BAY RD MCHENRY IL 600513762, MCHENRY, IL 60051-3762 |
| Document Number | 0000032900 |
|---|---|
| Date | Sep 5, 2017 |
| Instrument | 32900 |
| Name | WINTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEMONT, IL 60018 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 384 Months |
| Due | Sep 4, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | May 24, 2017 |
| Property Address | 414 BAY RD, MCHENRY, IL 60051-9612 |
| Document Number | 0000018624 |
| Instrument Date | May 18, 2017 |
| Instrument | 18624 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2017 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $120.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 27864 IRMA LEE CIR #103 LAKE FOREST IL 600455114, 103, LAKE FOREST, IL 60045-5114 |
Source: McHenry County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | McHenry Township |
| Elementary School District | McHenry Community Consolidated School District 15 (PK - 08) |
| Secondary School District | McHenry Community High School District 156 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $23,771.00 | $297,216 Land $73,868 Building $223,348 | $891,648 Land $221,604 Building $670,044 |
| 2022 | $247,031 Land $61,395 Building $185,636 | $741,093 Land $184,185 Building $556,908 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 414 Bay Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 28 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 38 (1979–2026) |
| Claims Outside the SFHA | 3 of 38 |
| Most Recent Claim | Apr 2026 · river or lake flooding |
| Claims by Event |
|
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 414 Bay Rd 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 97% of the US · lower than 79% 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: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL in parts of the area | 100 / 20 |
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