McHenry County property record for 432 Ridge St, Algonquin, IL 60102
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,624 sqft · built 1977 |
| Lot Size | 0.244 acres (10,640 sqft) |
| Owner | Individual Name on File |
| Last Sale | $243,500 (Oct 2018) |
| Deeds & Mortgages | Jul 2021 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-34-251-006 |
| Primary APN | 19-34-251-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,624 sqft |
| Gross Area | 2,856 sqft |
| 1st Floor Area | 1,624 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Lot Area | 10,640 sqft (0.244 acres) |
| Lot Dimensions | 140 ft deep x 76 ft wide |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 432 RIDGE ST |
|---|---|
| City | ALGONQUIN |
| State | IL |
| Zip | 60102-2833 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2021R0039114 LT 16 BLK 7 JANAKS 2ND ADDN |
| Legal Range | 08E |
| Legal Township | 43N |
| Legal Section | 34 |
| Legal Subdivision | JANAKS 2ND ADD |
| Legal Block | 7 |
| Legal Lot Number | 16 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 871404 |
432 Ridge St is owned and occupied by an individual who acquired it in July 2021.
Source: McHenry County records, as of May 13, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 432 RIDGE ST, ALGONQUIN, IL 60102-2833 |
| 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.
| Date | Document |
|---|---|
| Jul 19, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 30, 2018 | Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2018 · Amount on File |
| Deed Sale | Oct 30, 2018 · Amount on File |
| Prior Sale | Oct 30, 2018 · Amount on File |
| Deed Document Number | 0000037122 |
| Last Transfer Date | Jul 19, 2021 |
| Transfer Doc | 0000039114 |
| Record Updated | Jun 7, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jul 19, 2021 |
| Property Address | 432 RIDGE ST, ALGONQUIN, IL 60102-2833 |
| Document Number | 0000039114 |
| Map Reference | MB 12 PG 39 |
| Instrument Date | Jul 2, 2021 |
| Instrument | 2021R0039114 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 432 RIDGE ST, 432, ALGONQUIN, IL 60102-2833 |
| Name | Verified Name |
|---|---|
| Address | 432 RIDGE ST, ALGONQUIN, IL 60102-2833 |
| Document Number | 0000039115 |
|---|---|
| Date | Jul 19, 2021 |
| Instrument | 2021R0039115 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.36% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Oct 30, 2018 |
| Property Address | 432 RIDGE ST, ALGONQUIN, IL 60102-2833 |
| Document Number | 0000037122 |
| Map Reference | MB12 PG39 |
| Instrument Date | Oct 11, 2018 |
| Instrument | 2018R0037122 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $365.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 432 RIDGE ST, ALGONQUIN, IL 60102-2833 |
| Document Number | 0000037123 |
|---|---|
| Date | Oct 30, 2018 |
| Instrument | 2018R0037123 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Rate | 4.5% |
|---|
Source: McHenry County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| Municipality | Algonquin Village |
| County | McHenry County |
| County Subdivision | Algonquin Township |
| Unified School District | Community Unit School District 300 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $89,469 Land $15,770 Building $73,699 | $268,407 Land $47,310 Building $221,097 |
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 432 Ridge St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2017 |
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.
The area around 432 Ridge 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 | ALGONQUIN serves 30,700 people · EPA ID IL1110050 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2026–2028) action level 15 ppb |
| Copper | 1.6 mg/L (2022–2024) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 362 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 |
| AT&T DSL | 100 / 20 |
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