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48 N Ayer St, Harvard, IL 60033 Property Records

McHenry County property record for 48 N Ayer St, Harvard, IL 60033

Property Summary

Property TypeCommercial
Lot Size0.06 acres (2,623 sqft)
Owner2 Individual Names on File
Deeds & MortgagesJan 2021 Sale
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN01-35-407-008

Property Details

APN / Parcel Number

Primary APN01-35-407-008

Exterior

Lot Area2,623 sqft

Location & Zoning

Street Address48 N AYER ST
CityHARVARD
StateIL
Zip60033-2803
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionDOC 2021R0005324 LT 10 BLK 6 ORIG PLAT CITY OF HARVARD
Legal Range05E
Legal Township46N
Legal Section35
Legal SubdivisionHARVARD
Legal Block6
Legal Lot Number10
JurisdictionMCHENRY IL
Township / Civil DivisionCHEMUNG
Census Block Group3
Census Block3002
Census Tract870302

Owner

48 N Ayer St, a commercial property, is owned and occupied by two individuals who acquired it in January 2021.

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

Owner of Record2 Individual Names on File
Mailing Address48 N AYER ST, HARVARD, IL 60033-2803
OccupancyOwner Occupied
Owner TypeIndividual

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 28, 2021Grant Deed, Transfer
ATTORNEY ONLY
Aug 20, 2020Deed of Trust, Mortgage
CITY OF HARVARD

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 28, 2021
Deed SaleJan 28, 2021
Prior SaleJun 10, 2005 · Amount on File
Deed Document Number2005R0045480
Record UpdatedJun 7, 2026

January 2021: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMCHENRY IL
Recording DateJan 28, 2021
Property Address48 N AYER ST, HARVARD, IL 60033-2803
Document Number0000005324
Instrument DateJan 27, 2021
Instrument5324
Transaction TypeTransfer
Record UpdatedFeb 22, 2021
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address48 N AYER ST HARVARD IL 600332803, HARVARD, IL 60033-2803

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Property Address48 N AYER ST, HARVARD, IL 60033-2803
Document Number0000036425
Instrument DateAug 20, 2020
Transaction TypeMortgage
Record UpdatedOct 1, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address48 N AYER ST HARVARD IL 600332803, HARVARD, IL 60033-2803

Mortgage

Document Number0000036425
DateSep 10, 2020
Instrument36425
Lender
NameCITY OF HARVARD
Address201 W IGGINS ST, HARVARD, IL 60033
Agreement
AmountAmount on Record
Term60 Months
DueSep 9, 2025

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyMcHenry County
County SubdivisionChemung Township
MunicipalityHarvard City
Unified School DistrictHarvard Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2022Homeowner's exemption$48,418 Land $6,913 Building $41,505$145,254 Land $20,739 Building $124,515

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 48 N Ayer St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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
Nearby Flood Policies6 in force
Nearby Flood Claims1 (2026)
Most Recent ClaimApr 2026 · river or lake flooding

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 48 N Ayer St 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 97% of the US · lower than 79% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemHARVARD
serves 9,469 people · EPA ID IL1110250
Water SourceGroundwater
Last State InspectionFeb 2024
Lead7 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 476 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Surf Internet
Fiber		8,000 / 8,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Starlink
Satellite		280 / 30

May also be available: AT&T, Verizon.

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