4808 Howard St, McHenry, IL 60051 Property Records

McHenry County property record for 4808 Howard St, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	936 sqft · built 1963
Lot Size	0.276 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$154,000 (Aug 2019)
Tax Bill	$2,282 (2024)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-07-276-006`

Property Details

APN / Parcel Number

Primary APN	`10-07-276-006`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	A-Frame
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,197 sqft (0.276 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4808 HOWARD ST
City	MCHENRY
State	IL
Zip	60051-7925
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0024290 LT 326 PISTAKEE HILLS UNIT 3
Legal Subdivision	PISTAKEE HILLS
Legal Block	276
Legal Lot Number	326
Legal Unit	3
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	3
Census Block	3016
Census Tract	870704

Owner

4808 Howard St is owned and occupied by two individuals who bought it in August 2019.

Source: McHenry County records, as of March 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4808 HOWARD ST, MCHENRY, IL 60051-7925
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2019 · Amount on File
Deed Sale	Aug 2, 2019 · Amount on File
Deed Document Number	201924290
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 2, 2019
Property Address	4808 HOWARD ST, MCHENRY, IL 60051-7925
Document Number	0000024290
Map Reference	MB 14 PG 40
Instrument Date	Aug 1, 2019
Instrument	2019R0024290
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.00
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	4808 HOWARD ST, MCHENRY, IL 60051-7925

Mortgage

Document Number	0000024291
Date	Aug 2, 2019
Instrument	2019R0024291

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	McHenry Township
Unified School District	Johnsburg Community Unit School District 12 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$2,282.00	$56,787 Land $6,324 Building $50,463	$170,361 Land $18,972 Building $151,389
2022	Homeowner's exemption Additional exemption filed	$49,072 Land $14,628 Building $34,444	$147,216 Land $43,884 Building $103,332

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

FEMA maps place 4808 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	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Jun 1993 · 5 claims

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 4808 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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