McHenry County property record for 4812 Gregory St, McHenry, IL 60051
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 944 sqft · built 1964 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $156,000 (Oct 2021) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage May 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-07-277-005 |
| Primary APN | 10-07-277-005 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 944 sqft Living Area |
| Gross Area | 1,888 sqft |
| 1st Floor Area | 944 sqft |
| Year Built | Built 1964 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 12,000 sqft |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 405 sqft |
| Patio Area | 480 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4812 GREGORY ST |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60051-7917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2021R0054251 LT 348 PISTAKEE HILLS UNIT 3 |
| Legal Range | 09E |
| Legal Township | 45N |
| Legal Section | 07 |
| Legal Subdivision | PISTAKEE HILLS 03 |
| Legal Block | 277 |
| Legal Lot Number | 348 |
| Legal Unit | 3 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | MCHENRY |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 870704 |
4812 Gregory St is owned and occupied by an individual who bought it in October 2021.
Source: McHenry County records, as of May 13, 2024
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4812 GREGORY ST, MCHENRY, IL 60051-7917 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 28, 2021 | Deed of Trust, Mortgage · Line of Credit AMERICAN COMMUNITY BANK & TRUST |
| Feb 27, 2018 | Deed of Trust, Mortgage · Line of Credit AMERICAN CMNTY BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2021 · Amount on File |
| Deed Sale | Oct 5, 2021 · Amount on File |
| Prior Sale | Feb 1, 2016 · Amount on File |
| Deed Document Number | 2021R0054251 |
| Record Updated | Jun 7, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Oct 5, 2021 |
| Property Address | 4812 GREGORY ST, MCHENRY, IL 60051-7917 |
| Document Number | 0000054251 |
| Map Reference | DPC 361805 MB 14 PG |
| Instrument Date | Oct 4, 2021 |
| Instrument | 2021R0054251 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $156.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4812 GREGORY ST, MCHENRY, IL 60051-7917 |
| Document Number | 0000054252 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 2021R0054252 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 4812 GREGORY ST, MCHENRY, IL 60051-7917 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000029533 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 2021R0029533 |
| Name | AMERICAN COMMUNITY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | WOODSTOCK, IL 60098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 4812 GREGORY ST, MCHENRY, IL 60051-7917 |
| Document Number | 0000006721 |
| Instrument Date | Feb 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 48172 GREAORY ST MCHENRY IL 60051, MCHENRY, IL 60051 |
| Document Number | 0000006721 |
|---|---|
| Date | Mar 5, 2018 |
| Instrument | 6721 |
| Name | AMERICAN CMNTY BK |
|---|---|
| Type | Bank |
| Address | WOODSTOCK, IL 60098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: McHenry County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | McHenry Township |
| Unified School District | Johnsburg Community Unit School District 12 (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2022 | $51,422 Land $14,628 Building $36,794 | $154,266 Land $43,884 Building $110,382 |
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 4812 Gregory 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 4812 Gregory 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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