McHenry County property record for 4209 Ponca St, McHenry, IL 60050
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 720 sqft · built 1957 |
| Lot Size | 0.228 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,428 (2024) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jan 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-277-003 |
| Primary APN | 09-34-277-003 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Basement Area | 720 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 10,019 sqft (0.228 acres) |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 4209 PONCA ST |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60050-5339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2019R0008740 LT 16 COONEY HEIGHTS 3RD ADDN |
| Legal Subdivision | COONEY HEIGHTS 3RD ADDN |
| Legal Block | 277 |
| Legal Lot Number | 16 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | MCHENRY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 870605 |
Source: McHenry County records, as of June 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4209 PONCA ST, MCHENRY, IL 60050-5339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2026 | Warranty Deed, Transfer · Conventional Mortgage EDUCATORS CREDIT UNION |
| Jan 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Apr 2, 2019 | Special Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| May 5, 2017 | Grant Deed, Transfer FIRST AMERICAN TITLE |
| Mar 10, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 10, 2017 |
| Deed Sale | Mar 10, 2017 |
| Prior Sale | Mar 30, 1998 · Amount on Record |
| Deed Document Number | 20178607 |
| Prior Transfer Date | Apr 5, 1997 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jul 21, 2026 |
| Property Address | 4209 PONCA ST, MCHENRY, IL 60050-5339 |
| Document Number | 0000020902 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 202620902 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $37,117.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1912 WILLOW RD, TWIN LAKES, WI 53181-9714 |
| Document Number | 0000020903, |
|---|---|
| Date | Jul 21, 2026 |
| Instrument | 202620903 |
| Name | EDUCATORS CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 4209 PONCA ST, MCHENRY, IL 60050-5339 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000001801 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 2021R0001801 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 176 Months |
| Due | Sep 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Apr 2, 2019 |
| Property Address | 4209 PONCA ST, MCHENRY, IL 60050-5339 |
| Document Number | 0000008740 |
| Instrument Date | Mar 28, 2019 |
| Instrument | 2019R0008740 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4209 PONCA ST, MCHENRY, IL 60050-5339 |
| Document Number | 0000008741 |
|---|---|
| Date | Apr 2, 2019 |
| Instrument | 2019R0008741 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Document Number | 0000008742 |
|---|---|
| Date | Apr 2, 2019 |
| Instrument | 2019R0008742 |
| Name | HABITAT FOR HUMANITY OF MCHENRY COUNTY I |
|---|---|
| Type | Non-Lending Institution |
| Address | MCHENRY, IL 60050 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 28, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | May 5, 2017 |
| Property Address | 4209 PONCA ST, MCHENRY, IL 60050-5339 |
| Document Number | 0000016157 |
| Instrument Date | Apr 24, 2017 |
| Instrument | 16157 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $148.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 1166 MCHENRY IL 600519019, MCHENRY, IL 60051-9019 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Mar 10, 2017 |
| Property Address | 4209 PONCA ST, MCHENRY, IL 60050-5339 |
| Document Number | 0000008607 |
| Instrument Date | Mar 1, 2017 |
| Instrument | 8607 |
| Transaction Type | Foreclosure |
| Record Updated | May 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 14221 DALLAS PKWY #1000 DALLAS TX 752542946, 1000, DALLAS, TX 75254-2946 |
| Investor | Possibly a Property Investor |
Source: McHenry County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | McHenry Township |
| Municipality | McHenry City |
| 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 | $4,428.00 | $60,349 (+20.31%) Land $13,921 Building $46,428 | $181,047 (+20.31%) Land $41,763 Building $139,284 |
| 2022 | Homeowner's exemption | $50,160 Land $11,571 Building $38,589 | $150,480 Land $34,713 Building $115,767 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | MCHENRY serves 22,335 people · EPA ID IL1110600 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2023 |
| Lead | 7 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 23 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 321 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| 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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