McHenry County property record for 4305 Ponca St, McHenry, IL 60050
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 816 sqft · built 1956 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $245,000 (Oct 2023) |
| Tax Bill | $5,247 (2024) |
| Deeds & Mortgages | Oct 2023 Transfer Oct 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-278-002 |
| Primary APN | 09-34-278-002 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 816 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Basement Area | 816 sqft |
| Game Room | Game Room |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 167 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 4305 PONCA ST |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60050-5341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2023R0026711 LT 8 COONEY HEIGHTS 3RD ADDN |
| Legal Subdivision | COONEY HEIGHTS 3RD ADDN |
| Legal Block | 278 |
| Legal Lot Number | 8 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | MCHENRY |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 870605 |
4305 Ponca St is owner-occupied and held in a trust since October 2023.
Source: McHenry County records, as of March 27, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 4305 PONCA ST, MCHENRY, IL 60050-5341 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 20, 2023 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Oct 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP |
| Sep 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2023 · Amount on File |
| Deed Sale | Oct 16, 2023 · Amount on File |
| Prior Sale | Sep 22, 2020 · Amount on File |
| Prior Transfer Date | Oct 13, 2023 |
| Prior Transfer Doc | 0000026711 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Oct 20, 2023 |
| Property Address | 4305 PONCA ST, MCHENRY, IL 60050-5341 |
| Document Number | 0000026711 |
| Map Reference | DOC 292379 |
| Instrument Date | Oct 13, 2023 |
| Instrument | 2023R0026711 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4305 PONCA ST, MCHENRY, IL 60050-5341 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Oct 16, 2023 |
| Property Address | 4305 PONCA ST, MCHENRY, IL 60050-5341 |
| Document Number | 0000026243 |
| Map Reference | DOC 292379 |
| Instrument Date | Sep 25, 2023 |
| Instrument | 2023R0026243 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $245.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4305 PONCA ST, MCHENRY, IL 60050-5341 |
| Document Number | 0000026244 |
|---|---|
| Date | Oct 16, 2023 |
| Instrument | 2023R0026244 |
| Name | AMERICAN PORTFOLIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Sep 22, 2020 |
| Property Address | 4305 PONCA ST, MCHENRY, IL 60050-5341 |
| Document Number | 0000038560 |
| Map Reference | MB 12 PG 23 |
| Instrument Date | Aug 12, 2020 |
| Instrument | 2020R0038560 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $185.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4305 PONCA ST, MCHENRY, IL 60050-5341 |
| Document Number | 0000038561 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 2020R0038561 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
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 | $5,247.00 | $70,029 Land $13,921 Building $56,108 | $210,087 Land $41,763 Building $168,324 |
| 2022 | Homeowner's exemption | $58,205 Land $11,571 Building $46,634 | $174,615 Land $34,713 Building $139,902 |
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.
FEMA maps place 4305 Ponca St in Zone X, an area of minimal flood risk.
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.
The area around 4305 Ponca St has no burnable land within ember reach, so its wildfire risk is not rated.
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 202 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 Fixed Wireless · DSL | 100 / 20 |
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