4748 Oregon Trl, McHenry, IL 60050 Property Records

McHenry County property record for 4748 Oregon Trl, McHenry, IL 60050

Property Summary

Property Type	Single Family Home
Details	3 bd · 5.5 ba · 1,970 sqft · built 1996
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Aug 2021)
Tax Bill	$8,017 (2024)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-03-128-005`

Property Details

APN / Parcel Number

Primary APN	`14-03-128-005`

Interior

Bedrooms	3 Beds
Full Baths	5.5 Baths
Half Baths	5 Half Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,970 sqft Living Area
1st Floor Area	1,299 sqft
Basement Area	1,007 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Foundation Type	No Foundation
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	341 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4748 OREGON TRL
City	MCHENRY
State	IL
Zip	60050-0502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0046188 LT 5 BLK 12 WINDING CREEK FIVE UNIT 5 MEMO: HANDLEY, KYLE S/NELSON, JENNIFER LYNN
Legal Subdivision	WINDING CREEK FIVE UNIT 5
Legal Block	12
Legal Lot Number	5
Legal Unit	5
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	1
Census Block	1001
Census Tract	870813

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	4748 OREGON TRL, MCHENRY, IL 60050-0502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Warranty Deed, Transfer · VA Mortgage USAA FSB
Apr 3, 2017	Warranty Deed, Transfer · FHA Mortgage PHH HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2021 · Amount on Record
Deed Sale	Aug 23, 2021 · Amount on Record
Prior Sale	Apr 3, 2017 · Amount on Record
Deed Document Number	202146188
Prior Transfer Date	Apr 1, 1996
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 23, 2021
Property Address	4748 OREGON TRL, MCHENRY, IL 60050-0502
Document Number	0000046188
Instrument Date	Aug 20, 2021
Instrument	2021R0046188
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4748 OREGON TRAIL, ARLINGTON HEIGHTS, IL 60004

Mortgage

Document Number	0000046190
Date	Aug 23, 2021
Instrument	2021R0046190

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 3, 2017
Property Address	4748 OREGON TRL, MCHENRY, IL 60050-0502
Document Number	0000011701
Instrument Date	Mar 30, 2017
Instrument	11701
Transaction Type	Transfer
Record Updated	Jun 9, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$337.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4748 OREGON TRL MCHENRY IL 600500502, MCHENRY, IL 60050-0502

Mortgage

Document Number	11702
Date	Apr 3, 2017
Instrument	11702

Lender

Name	PHH HM LNS
Type	Funding / Finance Company
Address	EDINA, MN 55435

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Nunda 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	$8,017.00	$103,256 (+25.12%) Land $22,383 Building $80,873	$309,768 (+25.12%) Land $67,149 Building $242,619
2022	Homeowner's exemption	$82,527 Land $18,357 Building $64,170	$247,581 Land $55,071 Building $192,510

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 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.

Wildfire

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.

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 168 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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