439 Ridge St, Algonquin, IL 60102 Property Records

McHenry County property record for 439 Ridge St, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,274 sqft · built 1958
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (Mar 2021)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-34-401-006`

Property Details

APN / Parcel Number

Primary APN	`19-34-401-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,274 sqft
Gross Area	2,548 sqft
1st Floor Area	1,274 sqft

Exterior

Year Built	Built 1958
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	439 RIDGE ST
City	ALGONQUIN
State	IL
Zip	60102-2832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0015194 LT 12 BLK 8 JANAKS 2ND ADDN MEMO: CUMMINGS, DEVIN ELIZABETH/JAMES JOSEPH III
Legal Range	08E
Legal Township	43N
Legal Section	34
Legal Subdivision	JANAKS 2ND ADD
Legal Block	8
Legal Lot Number	12
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2018
Census Tract	871310

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	439 RIDGE ST, ALGONQUIN, IL 60102-2832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2021 · Amount on Record
Deed Sale	Mar 19, 2021 · Amount on Record
Prior Sale	Jun 24, 2009 · Amount on Record
Deed Document Number	WARRANTY DEED
Record Updated	Jun 7, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 19, 2021
Property Address	439 RIDGE ST, ALGONQUIN, IL 60102-2832
Document Number	0000015194
Map Reference	DOC294995 MB12 PG39
Instrument Date	Jan 1, 2021
Instrument	2021R0015194
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$158.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	439 RIDGE ST, ALGONQUIN, IL 60102-2832

Mortgage

Document Number	0000015195
Date	Mar 19, 2021
Instrument	2021R0015195

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.12%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Algonquin Village
County	McHenry County
County Subdivision	Algonquin Township
Unified School District	Community Unit School District 300 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$56,729 Land $15,387 Building $41,342	$170,187 Land $46,161 Building $124,026

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 · 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1978–2017)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jul 2017 · river or lake flooding

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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