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4520 Ripon Rd, Crystal Lake, IL 60012 Property Records

McHenry County property record for 4520 Ripon Rd, Crystal Lake, IL 60012

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,649 sqft · built 1982
Lot Size1.84 acres (80,150 sqft)
Owner2 Individual Names on Record
Last Sale$385,000 (Dec 2023)
Tax Bill$9,307 (2024)
Deeds & MortgagesDec 2025 Mortgage
Dec 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN14-27-251-014

Property Details

APN / Parcel Number

Primary APN14-27-251-014

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths3 Half Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms10 Rooms
Stories2 Stories
Building Area2,649 sqft Living Area
1st Floor Area1,709 sqft
Basement Area1,661 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1982
Effective Year BuiltEffective 1982
Exterior MaterialBrick
Foundation TypeRaised
Lot Area80,150 sqft (1.84 acres)
Garage TypeAttached
Garage Area625 sqft
Parking Spaces2 Parking Spaces
Deck Area897 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerSeptic
Water SourceWell

Location & Zoning

Street Address4520 RIPON RD
CityCRYSTAL LAKE
StateIL
Zip60012-2026
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 2023R0030823 LT 27 /EX PC ON W SIDE/ COLLEGE HILL MEMO: MIELKE, TITUS/ MARINANGEL, INGRID ANN
Legal SubdivisionCOLLEGE HILL
Legal Block251
Legal Lot Number27
JurisdictionMCHENRY IL
Township / Civil DivisionNUNDA
Census Block Group3
Census Block3016
Census Tract870809

Owner

Source: McHenry County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address4520 RIPON RD, CRYSTAL LAKE, IL 60012-2026
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Dec 4, 2025Deed of Trust, Mortgage · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 7, 2023Warranty Deed, Transfer · Conventional Mortgage
GT PROPERTIES OF ILLINOIS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 7, 2023 · Amount on Record
Deed SaleDec 7, 2023 · Amount on Record
Prior SaleAug 25, 2016 · Amount on Record
Deed Document Number202330823
Prior Transfer DateJul 30, 2011
Prior Transfer Doc0000032977
Record UpdatedOct 29, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Property Address4520 RIPON RD, CRYSTAL LAKE, IL 60012-2026
Transaction TypeMortgage
Record UpdatedDec 17, 2025
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4520 RIPON RD, CRYSTAL LAKE, IL 60012-2026

Mortgage

Document Number0000034117
DateDec 4, 2025
Instrument2025R0034117
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2055
Interest
Rate TypeFixed Rate
Rate7.87%

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCHENRY IL
Recording DateDec 7, 2023
Property Address4520 RIPON RD, CRYSTAL LAKE, IL 60012-2026
Document Number0000030823
Map ReferenceDOC 505979
Instrument DateNov 28, 2023
Instrument2023R0030823
Transaction TypeTransfer
Record UpdatedDec 19, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$385.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address4520 RIPON RD, CRYSTAL LAKE, IL 60012-2026

Mortgage

Document Number0000030824
DateDec 7, 2023
Instrument2023R0030824
Lender
NameGT PROPERTIES OF ILLINOIS LLC
TypeNon-Lending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term12 Months
DueNov 30, 2024

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMcHenry County
County SubdivisionNunda Township
Elementary School DistrictCrystal Lake Community Consolidated School District 47 (PK - 08)
Secondary School DistrictCommunity High School District 155 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$9,307.00$130,575 (+12.19%) Land $28,018 Building $102,557$391,725 (+12.19%) Land $84,054 Building $307,671
2022Homeowner's exemption$116,386 Land $26,804 Building $89,582$349,158 Land $80,412 Building $268,746

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 96% of the US · lower than 74% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

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