415 Bluffs Edge Dr, McHenry, IL 60051 Property Records

McHenry County property record for 415 Bluffs Edge Dr, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,140 sqft · built 2002
Lot Size	0.941 acres (41,030 sqft)
Owner	Individual Name on File
Last Sale	$327,500 (Nov 2018)
Deeds & Mortgages	May 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-29-451-001`

Property Details

APN / Parcel Number

Primary APN	`10-29-451-001`

Interior

Full Baths	5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,140 sqft Living Area
Gross Area	4,010 sqft
1st Floor Area	1,703 sqft
Basement Area	1,615 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Other
Exterior Material	Frame/Vinyl
Construction Type	Frame
Lot Area	41,030 sqft
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	338 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	415 BLUFFS EDGE DR
City	MCHENRY
State	IL
Zip	60051-6956
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2018R0039635 LT 29 PROVIDENCE FARMS PHASE 2
Legal Range	09E
Legal Township	45N
Legal Section	29
Legal Subdivision	PROVIDENCE FARMS PH 02
Legal Phase	2
Legal Lot Number	29
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	4
Census Block	4003
Census Tract	870702

Owner

415 Bluffs Edge Dr is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	415 BLUFFS EDGE DR, MCHENRY, IL 60051-6956
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
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOLUTIONS FINANCIAL MORTGAGE COMPANY
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOLUTIONS FINANCIAL MORTGAGE COMPANY
Nov 20, 2018	Warranty Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2018 · Amount on File
Deed Sale	Nov 20, 2018 · Amount on File
Prior Sale	Nov 29, 2001 · Amount on File
Deed Document Number	2018R0039635
Record Updated	Jun 7, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	415 BLUFFS EDGE DR, MCHENRY, IL 60051-6956
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024145
Date	May 4, 2021
Instrument	2021R0024145

Lender

Name	SOLUTIONS FINANCIAL MORTGAGE COMPANY
Type	Mortgage Company
Address	GLENVIEW, IL 60026

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	415 BLUFFS EDGE DR, MCHENRY, IL 60051-6956
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020839
Date	Jun 11, 2020
Instrument	2020R0020839

Lender

Name	SOLUTIONS FINANCIAL MORTGAGE COMPANY
Type	Mortgage Company
Address	GLENVIEW, IL 60026

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.5%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 20, 2018
Property Address	415 BLUFFS EDGE DR, MCHENRY, IL 60051-6956
Document Number	0000039635
Instrument Date	Nov 15, 2018
Instrument	39635
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$491.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 BLUFFS EDGE DR MCHENRY IL 600516956, MCHENRY, IL 60051-6956

Mortgage

Document Number	39636
Date	Nov 20, 2018
Instrument	39636

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	McHenry Township
Elementary School District	McHenry Community Consolidated School District 15 (PK - 08)
Secondary School District	McHenry Community High School District 156 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$120,177 Land $24,927 Building $95,250	$360,531 Land $74,781 Building $285,750

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 415 Bluffs Edge Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

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
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2001 · rainfall accumulation

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 415 Bluffs Edge Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 61% of Illinois
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	LAKEMOOR serves 2,720 people · EPA ID IL0970270
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 22 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

May also be available: AT&T.

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