50 N Ayer St, Harvard, IL 60033 Property Records

McHenry County property record for 50 N Ayer St, Harvard, IL 60033

Property Summary

Property Type	Commercial
Lot Size	0.066 acres (2,889 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (Nov 2018)
Deeds & Mortgages	Apr 2019 Mortgage Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-35-407-007`

Property Details

APN / Parcel Number

Primary APN	`01-35-407-007`

Exterior

Lot Area	2,889 sqft

Location & Zoning

Street Address	50 N AYER ST
City	HARVARD
State	IL
Zip	60033-2803
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	DOC 2018R0039139 LT 11 BLK 6 ORIG PLAT CITY OF HARVARD
Legal Range	05E
Legal Township	46N
Legal Section	35
Legal Subdivision	HARVARD
Legal Block	6
Legal Lot Number	11
Jurisdiction	MCHENRY IL
Township / Civil Division	CHEMUNG
Census Block Group	3
Census Block	3002
Census Tract	870302

Owner

50 N Ayer St, a commercial property, is owned by an individual who bought it in November 2018.

Source: McHenry County records, as of May 13, 2024

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	W3489 S LAKESHORE DR, LAKE GENEVA, WI 53147-4000
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

Date	Document
Apr 12, 2019	Deed of Trust, Mortgage CITY OF HARVARD
Nov 15, 2018	Warranty Deed, Transfer · Commercial Mortgage BMO HARRIS BANK NA
Oct 3, 2017	Trustee's Deed, Construction Loan · Line of Credit STATE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2018 · Amount on File
Deed Sale	Nov 15, 2018 · Amount on File
Prior Sale	Feb 22, 2016 · Amount on File
Deed Document Number	2018R0039139
Record Updated	Jun 7, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	50 N AYER ST, HARVARD, IL 60033-2803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009880
Date	Apr 12, 2019
Instrument	2019R0009880

Lender

Name	CITY OF HARVARD
Type	Government Agency
Address	00000

Agreement

Amount	Amount on Record
Term	61 Months
Due	May 1, 2024

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 15, 2018
Property Address	50 N AYER ST, HARVARD, IL 60033-2803
Document Number	0000039139
Map Reference	MB17 PG64
Instrument Date	Oct 23, 2018
Instrument	2018R0039139
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	NLT TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$267.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	W3489 S LAKESHORE DR, LAKE GENEVA, WI 53147-4000

Mortgage

Document Number	0000039140
Date	Nov 15, 2018
Instrument	2018R0039140

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Nov 13, 2023

Interest

Rate	6.65%

October 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MCHENRY IL
Recording Date	Oct 3, 2017
Property Address	50 N AYER ST, HARVARD, IL 60033-2803
Instrument Date	Sep 29, 2017
Instrument	36554
Transaction Type	Construction Loan
Record Updated	Aug 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	50 N AYER ST HARVARD IL 600332803, HARVARD, IL 60033-2803

Mortgage

Document Number	0000036554
Date	Oct 3, 2017
Instrument	36554

Lender

Name	STATE BK
Type	Bank
Address	HARVARD, IL 60033

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Oct 2, 2018

Interest

Rate Type	Adjustable Rate
Rate	5.5%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2022

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Chemung Township
Municipality	Harvard City
Unified School District	Harvard Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2022	$64,356 Land $6,913 Building $57,443	$193,068 Land $20,739 Building $172,329

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 50 N Ayer St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	Apr 2026 · river or lake flooding

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 50 N Ayer St is low, with 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARVARD serves 9,469 people · EPA ID IL1110250
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	7 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 476 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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