5114 Spring Rd, Mccullom Lake (McHenry), IL 60050 Property Records

McHenry County property record for 5114 Spring Rd, Mccullom Lake, IL 60050

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,596 sqft · built 1998
Lot Size	0.709 acres (30,890 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Aug 2021)
Deeds & Mortgages	Jan 2022 Transfer Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-21-279-026`

Property Details

APN / Parcel Number

Primary APN	`09-21-279-026`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,596 sqft Living Area
Gross Area	3,192 sqft
1st Floor Area	1,596 sqft
Basement Area	1,596 sqft

Exterior

Year Built	Built 1998
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Lot Area	30,890 sqft
Garage Area	946 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	36 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5114 SPRING RD
City	MCCULLOM LAKE
State	IL
Zip	60050-2330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2022R0003845 LT 11 MCCULLOM LAKE GARDENS MEMO: DEKOCK, MEREDITH/GORNIAK, STEVEN
Legal Range	08E
Legal Township	45N
Legal Section	21
Legal Subdivision	MC CULLOM LAKE GARDENS
Legal Block	279
Legal Lot Number	11
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	1
Census Block	1044
Census Tract	870603

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5114 SPRING RD, MCCULLOM LAKE, IL 60050-2330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Aug 26, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Aug 27, 2019	Warranty Deed, Transfer · Conventional with PMI MORTGAGE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2021 · Amount on Record
Deed Sale	Aug 26, 2021 · Amount on Record
Prior Sale	Aug 26, 2021 · Amount on Record
Deed Document Number	0000046935
Last Transfer Date	Jan 28, 2022
Transfer Doc	0000003845
Record Updated	Jun 7, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Jan 28, 2022
Property Address	5114 SPRING RD, MCCULLOM LAKE, IL 60050-2330
Document Number	0000003845
Map Reference	DOC 92R57444
Instrument Date	Jan 19, 2022
Instrument	2022R0003845
Transaction Type	Transfer
Record Updated	Feb 9, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5114 SPRING RD, MCCULLOM LAKE, IL 60050-2330

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 26, 2021
Property Address	5114 SPRING RD, MCCULLOM LAKE, IL 60050-2330
Document Number	0000046935
Map Reference	DOC 92R57444
Instrument Date	Aug 6, 2021
Instrument	2021R0046935
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5114 SPRING RD, MCCULLOM LAKE, IL 60050-2330

Mortgage

Document Number	0000046936
Date	Aug 26, 2021
Instrument	2021R0046936

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 27, 2019
Property Address	5114 SPRING RD, MCCULLOM LAKE, IL 60050-2330
Document Number	0000027625
Instrument Date	Aug 21, 2019
Instrument	27625
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$303.75
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1207 MAY AVE JOHNSBURG IL 600518919, JOHNSBURG, IL 60051-8919

Mortgage

Document Number	27626
Date	Aug 27, 2019
Instrument	27626

Lender

Name	MORTGAGE SVCS
Type	Mortgage Company
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	McHenry Township
Municipality	McCullom Lake Village
Elementary School District	McHenry Community Consolidated School District 15 (PK - 08)
Secondary School District	McHenry Community High School District 156 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$75,626 Land $25,030 Building $50,596	$226,878 Land $75,090 Building $151,788

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

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	5 in force
Nearby Flood Claims	4 (1979–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2024 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 296 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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