McHenry County property record for 454 Eugene St, Crystal Lake, IL 60014
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,614 sqft · built 1966 |
| Lot Size | 0.271 acres (11,802 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $10,879 (2024) |
| Deeds & Mortgages | Mar 2022 Line of Credit Jan 2018 Foreclosure + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-05-380-003 |
| Primary APN | 19-05-380-003 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,614 sqft Living Area |
| 1st Floor Area | 1,414 sqft |
| Basement Area | 1,120 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Lot Area | 11,802 sqft (0.271 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 454 EUGENE ST |
|---|---|
| City | CRYSTAL LAKE |
| State | IL |
| Zip | 60014-7208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2018R0000100 LT 95 COLBYS HOME ESTATES 2ND ADDN |
| Legal Subdivision | COLBYS HOME ESTATES 2ND ADDN |
| Legal Block | 380 |
| Legal Lot Number | 95 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 871301 |
454 Eugene St is owned and occupied by two individuals who acquired it in January 2018.
Source: McHenry County records, as of March 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 454 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| 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 29, 2022 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Jan 2, 2018 | Trustee's Deed, Foreclosure · FHA Mortgage LAND-HOME FINANCIAL SERVICES |
| Jun 19, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jun 19, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 2, 2018 |
| Deed Sale | Jan 2, 2018 |
| Prior Sale | Sep 1, 2011 · Amount on File |
| Deed Document Number | 2018100 |
| Prior Transfer Date | Dec 20, 2017 |
| Prior Transfer Doc | 0000000100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 454 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 454 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Document Number | 0000011504 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | 2022R0011504 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 16, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jan 2, 2018 |
| Property Address | 454 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Document Number | 0000000100 |
| Map Reference | MB13 PG30 |
| Instrument Date | Dec 20, 2017 |
| Instrument | 2018R0000100 |
| Transaction Type | Foreclosure |
| Record Updated | May 27, 2021 |
| Title Company | NATIONAL TITLE SOLUTIONS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 454 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Document Number | 0000000101 |
|---|---|
| Date | Jan 2, 2018 |
| Instrument | 2018R0000101 |
| Name | LAND-HOME FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jun 19, 2017 |
| Property Address | 454 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Document Number | 0000021967 |
| Instrument Date | Jun 16, 2017 |
| Instrument | 21967 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | N2534 SMITH RD LODI WI 535559418, LODI, WI 53555-9418 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jun 19, 2017 |
| Property Address | 454 EUGENE ST, CRYSTAL LAKE, IL 60014-7208 |
| Document Number | 0000021968 |
| Instrument Date | Jun 16, 2017 |
| Instrument | 21968 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | N2534 SMITH RD LODI WI 535559418, LODI, WI 53555-9418 |
Source: McHenry County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Algonquin Township |
| Municipality | Crystal Lake City |
| Elementary School District | Crystal Lake Community Consolidated School District 47 (PK - 08) |
| Secondary School District | Community High School District 155 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $10,879.00 | $136,508 Land $21,443 Building $115,065 | $409,524 Land $64,329 Building $345,195 |
| 2022 | Homeowner's exemption | $114,411 Land $16,565 Building $97,846 | $343,233 Land $49,695 Building $293,538 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 454 Eugene St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 28, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 454 Eugene St 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 | CRYSTAL LAKE serves 40,661 people · EPA ID IL1110150 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 7 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 12 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 224 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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