433 Willow Rd, Lakemoor (McHenry), IL 60051 Property Records

McHenry County property record for 433 Willow Rd, Lakemoor, IL 60051

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,400 sqft · built 1999
Lot Size	0.259 acres (11,305 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Aug 2019)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-32-427-007`

Property Details

APN / Parcel Number

Primary APN	`10-32-427-007`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,400 sqft Living Area
Gross Area	3,600 sqft
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Traditional
Exterior Material	Ribbed Aluminum
Construction Type	Frame
Lot Area	11,305 sqft
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	55 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	433 WILLOW RD
City	LAKEMOOR
State	IL
Zip	60051-8622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0025386 LT 384 BURNSIDES LAKEMOOR FARMS PHASE 1A UNIT 4A MEMO: SKELTON, COLLEEN/ZAMORA, RICARDO
Legal Range	09E
Legal Township	45N
Legal Section	32
Legal Subdivision	LAKEMOOR FARMS PH 01A 04A/BURN
Legal Phase	1A
Legal Lot Number	384
Legal Unit	4A
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	4
Census Block	4028
Census Tract	870702

Owner

433 Willow Rd is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	433 WILLOW RD, LAKEMOOR, IL 60051-8622
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2019 · Amount on File
Deed Sale	Aug 12, 2019 · Amount on File
Prior Sale	Nov 23, 2005 · Amount on File
Deed Document Number	2019R0025386
Record Updated	Jun 7, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 12, 2019
Property Address	433 WILLOW RD, LAKEMOOR, IL 60051-8622
Document Number	0000025386
Map Reference	DOC 9847748
Instrument Date	Apr 8, 2019
Instrument	2019R0025386
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$337.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	433 WILLOW RD, LAKEMOOR, IL 60051-8622

Mortgage

Document Number	0000025387
Date	Aug 12, 2019
Instrument	2019R0025387

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate	3.75%

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
Municipality	Lakemoor Village
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	$88,500 Land $14,338 Building $74,162	$265,500 Land $43,014 Building $222,486

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 433 Willow Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
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 433 Willow Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 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 481 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20