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4516 Spruce Ln, McHenry, IL 60050 Property Records

McHenry County property record for 4516 Spruce Ln, McHenry, IL 60050

Property Summary

Property TypeSingle Family Home
Details3 bd · 1,460 sqft · built 1987
Lot Size0.279 acres (12,197 sqft)
Owner2 Trust Names on File
Last Sale$185,000 (Jun 2007)
Tax Bill$5,437 (2024)
Deeds & MortgagesJan 2024 Transfer
Jan 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN09-27-251-006

Property Details

APN / Parcel Number

Primary APN09-27-251-006

Interior

Bedrooms3 Beds
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,460 sqft Living Area
1st Floor Area1,460 sqft
Basement Area1,460 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Architectural StyleA-Frame
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Foundation TypeNo Foundation
Lot Area12,197 sqft (0.279 acres)
Lot Dimensions150 ft deep x 80 ft wide
Garage Area440 sqft
Parking Spaces2 Parking Spaces
Deck Area144 sqft
Shed1 Shed
Shed Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Water SourceCommercial

Location & Zoning

Street Address4516 SPRUCE LN
CityMCHENRY
StateIL
Zip60050-3768
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 2024R0001836 LT 8 BLK 10 LAKELAND SHORES UNIT 2
Legal SubdivisionLAKELAND SHORES UNIT 2
Legal Block10
Legal Lot Number8
Legal Unit2
JurisdictionMCHENRY IL
Township / Civil DivisionMCHENRY
Census Block Group1
Census Block1082
Census Tract870603

Owner

4516 Spruce Ln is owner-occupied and held in a trust since June 2007.

Source: McHenry County records, as of June 30, 2025

Owner of Record2 Trust Names on File
Mailing Address4516 SPRUCE LN, MCHENRY, IL 60050-3768
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

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

DateDocument
Jan 25, 2024Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Jan 7, 2021Deed of Trust, Mortgage · Conventional Mortgage
ALLY BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 14, 2007 · Amount on File
Deed SaleJun 14, 2007 · Amount on File
Prior SaleMay 30, 2003 · Amount on File
Deed Document Number200741433
Record UpdatedOct 29, 2026

January 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMCHENRY IL
Recording DateJan 25, 2024
Property Address4516 SPRUCE LN, MCHENRY, IL 60050-3768
Document Number0000001836
Map ReferenceDOC 386168
Instrument DateJan 25, 2024
Instrument2024R0001836
Transaction TypeTransfer
Record UpdatedFeb 6, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address4516 SPRUCE LN, MCHENRY, IL 60050-3768

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Property Address4516 SPRUCE LN, MCHENRY, IL 60050-3768
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001109
DateJan 7, 2021
Instrument2021R0001109
Lender
NameALLY BANK
TypeBank
AddressCHARLOTTE, NC 28202
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyMcHenry County
County SubdivisionMcHenry Township
MunicipalityMcHenry City
Elementary School DistrictMcHenry Community Consolidated School District 15 (PK - 08)
Secondary School DistrictMcHenry Community High School District 156 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$5,437.00$72,282 Land $13,896 Building $58,386$216,846 Land $41,688 Building $175,158
2022Homeowner'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 4516 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims4 (1979–2024)
Claims Outside the SFHA1 of 4
Most Recent ClaimApr 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 4516 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 RiskLow
lower than 94% of the US · lower than 65% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemMCHENRY
serves 22,335 people · EPA ID IL1110600
Water SourceGroundwater
Last State InspectionMay 2023
Lead7 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting23
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

ProviderMax 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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