McHenry County property record for 4814 Howard St, McHenry, IL 60051
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,151 sqft · built 1961 |
| Lot Size | 0.266 acres (11,603 sqft) |
| Owner | Individual Name on File |
| Last Sale | $103,000 (Oct 1994) |
| Deeds & Mortgages | Jun 2020 Line of Credit Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-07-276-001 |
| Primary APN | 10-07-276-001 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,151 sqft Living Area |
| Gross Area | 1,471 sqft |
| 1st Floor Area | 1,151 sqft |
| Basement Area | 320 sqft |
| Year Built | Built 1961 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 11,603 sqft |
| Garage Area | 770 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 44 sqft |
| Deck Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4814 HOWARD ST |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60051-7925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 94R060223 LT 323 PISTAKEE HILLS UNIT 3 |
| Legal Range | 09E |
| Legal Township | 45N |
| Legal Section | 07 |
| Legal Subdivision | PISTAKEE HILLS 03 |
| Legal Block | 276 |
| Legal Lot Number | 323 |
| Legal Unit | 3 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | MCHENRY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 870704 |
4814 Howard St is owned and occupied by an individual who bought it in October 1994.
Source: McHenry County records, as of May 13, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4814 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.
| Date | Document |
|---|---|
| Jun 2, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jun 2, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 1994 · Amount on File |
| Deed Sale | Oct 21, 1994 · Amount on File |
| Deed Document Number | 94R-060223 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 4814 HOWARD ST, MCHENRY, IL 60051-7925 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000019506 |
|---|---|
| Date | Jun 2, 2020 |
| Instrument | 2020R0019506 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | May 15, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 4814 HOWARD ST, MCHENRY, IL 60051-7925 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000019471 |
|---|---|
| Date | Jun 2, 2020 |
| Instrument | 2020R0019471 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $52,716 Land $13,165 Building $39,551 | $158,148 Land $39,495 Building $118,653 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4814 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 4814 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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