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4518 Spruce Ln, McHenry, IL 60050 Property Records

McHenry County property record for 4518 Spruce Ln, McHenry, IL 60050

Property Summary

Property TypeSingle Family Home
Details840 sqft · built 1963
Lot Size0.269 acres (11,750 sqft)
OwnerIndividual Name on File
Last Sale$160,000 (May 2021)
Deeds & MortgagesMay 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN09-27-251-005

Property Details

APN / Parcel Number

Primary APN09-27-251-005

Interior

Plumbing Fixtures5 Plumbing Fixtures
Stories1 Story
Building Area840 sqft Living Area
Gross Area1,680 sqft
1st Floor Area840 sqft

Exterior

Year BuiltBuilt 1963
Architectural StyleA-Frame
Exterior MaterialFrame/Vinyl
Construction TypeFrame
Foundation TypeRaised
Lot Area11,750 sqft
Garage Area240 sqft
Parking Spaces1 Parking Space
PorchPorch
Porch Area96 sqft
Deck Area196 sqft

Location & Zoning

Street Address4518 SPRUCE LN
CityMCHENRY
StateIL
Zip60050-3768
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 2021R0027868 LT 9 BLK 10 LAKELAND SHORES UNIT 2
Legal Range08E
Legal Township45N
Legal Section27
Legal SubdivisionLAKELAND SHORES 02
Legal Block10
Legal Lot Number9
Legal Unit2
JurisdictionMCHENRY IL
Township / Civil DivisionMCHENRY
Census Block Group1
Census Block1082
Census Tract870603

Owner

4518 Spruce Ln is owned by an individual who bought it in May 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Mailing Address4518 SPRUCE LN, MCHENRY, IL 60050-3768
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 21, 2021 · Amount on File
Deed SaleMay 21, 2021 · Amount on File
Prior SaleFeb 6, 2006
Deed Document Number2021R0027868
Record UpdatedJun 7, 2026

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCHENRY IL
Recording DateMay 21, 2021
Property Address4518 SPRUCE LN, MCHENRY, IL 60050-3768
Document Number0000027868
Map ReferenceDOC 386168
Instrument DateApr 29, 2021
Instrument2021R0027868
Transaction TypeTransfer
Record UpdatedJun 2, 2021
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$160.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address750 S YORK RD, BENSENVILLE, IL 60106-3022

Mortgage

Document Number0000027869
DateMay 21, 2021
Instrument2021R0027869
Lender
NameNEIGHBORHOOD LOANS
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2051
Interest
Rate TypeFixed Rate
Rate3.12%

Tax Assessment & Valuation

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

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
2022Homeowner's exemption$48,424 Land $11,549 Building $36,875$145,272 Land $34,647 Building $110,625

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 4518 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 4518 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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