McHenry County property record for 4909 Palm St, McHenry, IL 60051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 6 ba · 1,536 sqft · built 1997 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $241,000 (Dec 2020) |
| Deeds & Mortgages | May 2023 Mortgage Nov 2022 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-29-482-033 |
| Primary APN | 15-29-482-033 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 4 Half Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,536 sqft Living Area |
| Gross Area | 2,304 sqft |
| Basement Area | 768 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 314 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4909 PALM ST |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60051-9779 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2020R0055191 ALL LT 248 & N 25FT LT 249 BOULEVARD PARK |
| Legal Range | 09E |
| Legal Township | 44N |
| Legal Section | 29 |
| Legal Subdivision | BOULEVARD PARK |
| Legal Block | 482 |
| Legal Lot Number | 248-249 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | NUNDA |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 870812 |
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 | 4909 PALM ST, MCHENRY, IL 60051-9779 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 1, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP |
| Dec 15, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Jan 23, 2018 | Special Warranty Deed, Transfer · FHA Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Mar 31, 2017 | Deed in Lieu of Foreclosure, Foreclosure AMERISTAR INFORMATION NETWORK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2020 · Amount on File |
| Deed Sale | Dec 15, 2020 · Amount on File |
| Prior Sale | Jan 23, 2018 |
| Deed Document Number | 2020R0055191 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 4909 PALM ST, MCHENRY, IL 60051-9779 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 4909 PALM ST, MCHENRY, IL 60051-9779 |
| Document Number | 0000009736 |
|---|---|
| Date | May 1, 2023 |
| Instrument | 2023R0009736 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 331 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 4909 PALM ST, MCHENRY, IL 60051-9779 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4909 PALM ST, MCHENRY, IL 60051-9779 |
| Document Number | 0000037605 |
|---|---|
| Date | Nov 7, 2022 |
| Instrument | 2022R0037605 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Dec 15, 2020 |
| Property Address | 4909 PALM ST, MCHENRY, IL 60051-9779 |
| Document Number | 0000055191 |
| Map Reference | DOC77847 MB5 PG102 |
| Instrument Date | Oct 27, 2020 |
| Instrument | 2020R0055191 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $241.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4909 PALM ST, MCHENRY, IL 60051-9779 |
| Document Number | 0000055192 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | 2020R0055192 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jan 23, 2018 |
| Property Address | 4909 PALM ST, MCHENRY, IL 60051-9779 |
| Document Number | 0000002499 |
| Map Reference | MB5 PG102 |
| Instrument Date | Jan 16, 2018 |
| Instrument | 2018R0002499 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
| Name | Verified Name |
|---|---|
| Address | 4909 PALM ST, MCHENRY, IL 60051-9779 |
| Document Number | 0000002500 |
|---|---|
| Date | Jan 23, 2018 |
| Instrument | 2018R0002500 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Feb 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Mar 31, 2017 |
| Property Address | 4909 PALM ST, MCHENRY, IL 60051-9779 |
| Document Number | 0000011393 |
| Instrument Date | Feb 13, 2017 |
| Instrument | 11393 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 9, 2017 |
| Title Company | AMERISTAR INFORMATION NETWORK |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Investor | Possibly a Property Investor |
Source: McHenry County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Nunda Township |
| Unified School District | Wauconda Community Unit School District 118 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $72,174 Land $9,248 Building $62,926 | $216,522 Land $27,744 Building $188,778 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 32 (1979–2026) |
| Claims Outside the SFHA | 2 of 32 |
| Most Recent Claim | May 2026 · other causes |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | AQUA ILLINOIS-NUNDA private · serves 485 people · EPA ID IL1115600 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 124 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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