McHenry County property record for 445 Somerset Ct, Algonquin, IL 60102
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,229 sqft · built 1983 |
| Lot Size | 0.26 acres (11,313 sqft) |
| Owner | Individual Name on File |
| Last Sale | $137,400 (Oct 2013) |
| Tax Bill | $6,862 (2024) |
| Deeds & Mortgages | Mar 2024 Line of Credit Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-33-102-012 |
| Primary APN | 19-33-102-012 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,229 sqft Living Area |
| 1st Floor Area | 653 sqft |
| Basement Area | 576 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,313 sqft (0.26 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 445 SOMERSET CT |
|---|---|
| City | ALGONQUIN |
| State | IL |
| Zip | 60102-1940 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2013R0051453 LT 479 HIGH HILL FARMS UNIT 4 |
| Legal Subdivision | HIGH HILL FARMS UNIT 4 |
| Legal Block | 102 |
| Legal Lot Number | 479 |
| Legal Unit | 4 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 871310 |
445 Somerset Ct is owned and occupied by an individual who bought it in October 2013.
Source: McHenry County records, as of July 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 445 SOMERSET CT, ALGONQUIN, IL 60102-1940 |
| 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 |
|---|---|
| Mar 1, 2024 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 20, 2017 | Deed of Trust, Mortgage · Commercial Mortgage PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 2013 · Amount on File |
| Deed Sale | Oct 24, 2013 · Amount on File |
| Prior Sale | Sep 9, 2005 · Amount on File |
| Deed Document Number | 201351453 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 445 SOMERSET CT, ALGONQUIN, IL 60102-1940 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 445 SOMERSET CT, ALGONQUIN, IL 60102-1940 |
| Document Number | 0000004822 |
|---|---|
| Date | Mar 1, 2024 |
| Instrument | 2024R0004822 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Mar 9, 2064 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 445 SOMERSET CT, ALGONQUIN, IL 60102-1940 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002486 |
|---|---|
| Date | Jan 20, 2017 |
| Instrument | 2017R0002486 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 216 Months |
| Due | Jan 5, 2035 |
Source: McHenry County assessment roll, as of June 30, 2025
| 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 |
|---|---|---|---|
| 2024 | $6,862.00 | $95,723 Land $23,909 Building $71,814 | $287,169 Land $71,727 Building $215,442 |
| 2022 | Homeowner's exemption | $73,149 Land $21,044 Building $52,105 | $219,447 Land $63,132 Building $156,315 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 Somerset Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.
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 Policies | 1 in force |
| Nearby Flood Claims | 1 (1982) |
| Most Recent Claim | Jul 1982 · tidal / storm surge |
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 445 Somerset Ct 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 393 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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