4512 Spruce Ln, McHenry, IL 60050 Property Records

McHenry County property record for 4512 Spruce Ln, McHenry, IL 60050

Property Summary

Property Type	Single Family Home
Details	1,388 sqft · built 1988
Lot Size	0.279 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Jun 2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-27-251-007`

Property Details

APN / Parcel Number

Primary APN	`09-27-251-007`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,388 sqft Living Area
1st Floor Area	1,388 sqft
Basement Area	1,388 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	A-Frame
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,197 sqft (0.279 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	72 sqft

Location & Zoning

Street Address	4512 SPRUCE LN
City	MCHENRY
State	IL
Zip	60050-3768
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 1999R0039743 LT 7 BLK 10 LAKELAND SHORES UNIT 2 MEMO: REASINGER, JACKIE G/ BREEN, CANDI L
Legal Subdivision	LAKELAND SHORES UNIT 2
Legal Block	10
Legal Lot Number	7
Legal Unit	2
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	1
Census Block	1082
Census Tract	870603

Owner

4512 Spruce Ln is owned and occupied by two individuals who bought it in June 2026.

Source: McHenry County records, as of July 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	608 CRESTVIEW DR, INGLESIDE, IL 60041-9404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Jun 26, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Jun 9, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2026 · Amount on File
Deed Sale	Jun 26, 2026 · Amount on File
Prior Sale	Jun 1, 1999 · Amount on File
Deed Document Number	202618207
Prior Transfer Date	Jun 2, 2026
Prior Transfer Doc	0000016098
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 26, 2026
Property Address	4512 SPRUCE LN, MCHENRY, IL 60050-3768
Document Number	0000018207
Instrument Date	Jun 19, 2026
Instrument	202618207
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41,662.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	608 CRESTVIEW DR, INGLESIDE, IL 60041-9404

Mortgage

Document Number	0000018208,
Date	Jun 26, 2026
Instrument	202618208

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000018209,
Date	Jun 26, 2026
Instrument	202618209

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 9, 2026
Property Address	4512 SPRUCE LN, MCHENRY, IL 60050-3768
Document Number	0000016098
Instrument Date	Jun 2, 2026
Instrument	202616098
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4512 SPRUCE LN, MCHENRY, IL 60050-3768

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of June 30, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	McHenry Township
Municipality	McHenry City
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
2024		$72,282 Land $13,896 Building $58,386	$216,846 Land $41,688 Building $175,158
2022	Disabled Person's exemption Veteran's exemption	$60,077 Land $11,549 Building $48,528	$180,231 Land $34,647 Building $145,584

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 4512 Spruce Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.

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	4 (1979–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2024 · 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 4512 Spruce Ln 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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	MCHENRY serves 22,335 people · EPA ID IL1110600
Water Source	Groundwater
Last State Inspection	May 2023
Lead	7 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	23 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 329 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
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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