McHenry County property record for 4805 Howard St, McHenry, IL 60051
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,056 sqft · built 1974 |
| Lot Size | 0.276 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Feb 2024) |
| Tax Bill | $4,989 (2024) |
| Deeds & Mortgages | Feb 2026 Mortgage Feb 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-07-252-015 |
| Primary APN | 10-07-252-015 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 1,056 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | A-Frame |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 12,197 sqft (0.276 acres) |
| Garage Area | 580 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 365 sqft |
| Street Address | 4805 HOWARD ST |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60051-7991 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2024R0004504 LT 318 PISTAKEE HILLS UNIT 3 MEMO: MAPES, JONATHAN/ HORVATH, CASSANDRA |
| Legal Subdivision | PISTAKEE HILLS |
| Legal Block | 252 |
| Legal Lot Number | 318 |
| Legal Unit | 3 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | MCHENRY |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 870704 |
4805 Howard St is owned and occupied by two individuals who bought it in February 2024.
Source: McHenry County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4805 HOWARD ST, MCHENRY, IL 60051-7991 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Feb 13, 2026 | Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Feb 27, 2024 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Mar 22, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2024 · Amount on File |
| Deed Sale | Feb 27, 2024 · Amount on File |
| Prior Sale | Mar 22, 2022 · Amount on File |
| Deed Document Number | 20244504 |
| Prior Transfer Date | Dec 15, 2021 |
| Prior Transfer Doc | 0000010708 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 4805 HOWARD ST, MCHENRY, IL 60051-7991 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 4805 HOWARD ST, MCHENRY, IL 60051-7991 |
| Document Number | 0000004004 |
|---|---|
| Date | Feb 13, 2026 |
| Instrument | 2026R0004004 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Feb 27, 2024 |
| Property Address | 4805 HOWARD ST, MCHENRY, IL 60051-7991 |
| Document Number | 0000004504 |
| Map Reference | DOC 361805 |
| Instrument Date | Feb 15, 2024 |
| Instrument | 2024R0004504 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4805 HOWARD ST, MCHENRY, IL 60051-7991 |
| Document Number | 0000004505 |
|---|---|
| Date | Feb 27, 2024 |
| Instrument | 2024R0004505 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.25% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Mar 22, 2022 |
| Property Address | 4805 HOWARD ST, MCHENRY, IL 60051-7991 |
| Document Number | 0000010708 |
| Map Reference | DOC31805MB14PG40 |
| Instrument Date | Dec 15, 2021 |
| Instrument | 2022R0010708 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $30.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1817 W INDEX RIDGE DR, MCCALL, IL |
| Name | Verified Name |
|---|---|
| Address | 4805 HOWARD ST, MCHENRY, IL 60051-7991 |
Source: McHenry County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | McHenry Township |
| Unified School District | Johnsburg Community Unit School District 12 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $4,989.00 | $82,589 Land $6,324 Building $76,265 | $247,767 Land $18,972 Building $228,795 |
| 2022 | Homeowner's exemption | $55,420 Land $14,628 Building $40,792 | $166,260 Land $43,884 Building $122,376 |
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.
FEMA maps place 4805 Howard St in Zone X, an area of minimal flood risk, though there have been 16 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 16 (1979–2017) |
| Claims Outside the SFHA | 1 of 16 |
| Most Recent Claim | Jul 2017 · river or lake flooding |
| Claims by Event |
|
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 risk around 4805 Howard 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 Risk | Low lower than 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | IL AMERICAN-WHISPERING HILLS private · serves 8,300 people · EPA ID IL1115700 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 59 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.
Source: FCC Broadband Data Collection, based on 214 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 | 100 / 20 |
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