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4307 Ponca St, McHenry, IL 60050 Property Records

McHenry County property record for 4307 Ponca St, McHenry, IL 60050

Property Summary

Property TypeSingle Family Home
Details3 bd · 960 sqft · built 1956
Lot Size0.192 acres (8,400 sqft)
OwnerIndividual Name on Record
Last Sale$197,500 (Sep 2021)
Deeds & MortgagesMay 2022 Line of Credit
Sep 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN09-34-278-003

Property Details

APN / Parcel Number

Primary APN09-34-278-003

Interior

Bedrooms3 Beds
Plumbing Fixtures5 Plumbing Fixtures
Total Rooms8 Rooms
Stories1 Story
Building Area960 sqft Living Area
Gross Area1,920 sqft
1st Floor Area960 sqft
Basement Area960 sqft

Exterior

Year BuiltBuilt 1956
Architectural StyleA-Frame
Exterior MaterialRibbed Aluminum
Construction TypeFrame
Lot Area8,400 sqft
Lot Dimensions140 ft deep x 60 ft wide
Garage Area696 sqft
Parking Spaces2 Parking Spaces
Deck Area448 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address4307 PONCA ST
CityMCHENRY
StateIL
Zip60050-5341
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 2021R0049583 LT 7 COONEY HEIGHTS 3RD ADDN
Legal Range08E
Legal Township45N
Legal Section34
Legal SubdivisionCOONEY HEIGHTS 3RD ADD
Legal Block278
Legal Lot Number7
JurisdictionMCHENRY IL
Township / Civil DivisionMCHENRY
Census Block Group3
Census Block3006
Census Tract870605

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address4307 PONCA ST, MCHENRY, IL 60050-5341
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 12, 2022Deed of Trust, Mortgage · Line of Credit
BMO HARRIS BANK NA
Sep 10, 2021Warranty Deed, Transfer · Conventional Mortgage
NEIGHBORHOOD LOANS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 10, 2021 · Amount on Record
Deed SaleSep 10, 2021 · Amount on Record
Prior SaleJul 23, 2015 · Amount on Record
Deed Document Number2021R0049583
Record UpdatedJun 7, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Property Address4307 PONCA ST, MCHENRY, IL 60050-5341
Transaction TypeMortgage
Record UpdatedJun 6, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address4307 PONCA ST, MCHENRY, IL 60050-5341

Mortgage

Document Number0000017373
DateMay 12, 2022
Instrument2022R0017373
Lender
NameBMO HARRIS BANK NA
TypeBank
AddressCHICAGO, IL 60606
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMay 11, 2052
Interest
Rate TypeAdjustable Rate
Rate7.16%
Change FrequencyMonthly

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCHENRY IL
Recording DateSep 10, 2021
Property Address4307 PONCA ST, MCHENRY, IL 60050-5341
Document Number0000049583
Map ReferenceDOC292379 MB12 PG23
Instrument DateAug 18, 2021
Instrument2021R0049583
Transaction TypeTransfer
Record UpdatedJun 6, 2023
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$197.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4307 PONCA ST, MCHENRY, IL 60050-5341

Transferred To (Grantee/Buyer)

NameVerified Name
Address4307 PONCA ST, MCHENRY, IL 60050-5341
InvestorPossibly a Property Investor

Mortgage

Document Number0000049584
DateSep 10, 2021
Instrument2021R0049584
Lender
NameNEIGHBORHOOD LOANS
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueSep 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyMcHenry County
County SubdivisionMcHenry Township
MunicipalityMcHenry City
Elementary School DistrictMcHenry Community Consolidated School District 15 (PK - 08)
Secondary School DistrictMcHenry Community High School District 156 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2022Homeowner's exemption$59,394 Land $11,571 Building $47,823$178,182 Land $34,713 Building $143,469

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

Source: FEMA National Flood Hazard Layer, effective February 28, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskNot rated
no burnable land within ember reach

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 SystemMCHENRY
serves 22,335 people · EPA ID IL1110600
Water SourceGroundwater
Last State InspectionMay 2023
Lead7 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting23
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 202 locations within half a mile, as of December 31, 2025

ProviderMax 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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