512 S Emerald Dr, McHenry, IL 60051 Property Records

McHenry County property record for 512 S Emerald Dr, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 788 sqft · built 1920
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$170,500 (Apr 2026)
Tax Bill	$3,128 (2024)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-01-176-006`

Property Details

APN / Parcel Number

Primary APN	`14-01-176-006`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	788 sqft Living Area
1st Floor Area	788 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	512 S EMERALD DR
City	MCHENRY
State	IL
Zip	60051-9354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2013R0023863 LT 5 EMERALD PARK SUTTONS ANNEX
Legal Subdivision	EMERALD PARK SUTTONS ANNEX
Legal Block	176
Legal Lot Number	5
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	1
Census Block	1037
Census Tract	870811

Owner

Source: McHenry County assessment roll, as of March 27, 2026

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

Owner of Record	Individual Name on File
Mailing Address	512 S EMERALD DR, MCHENRY, IL 60051-9354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 13, 2026 · Amount on Record
Deed Sale	Apr 13, 2026 · Amount on Record
Prior Sale	May 10, 2013 · Amount on Record
Deed Document Number	20269792
Prior Transfer Date	Feb 12, 2004
Prior Transfer Doc	0000013150
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 13, 2026
Property Address	512 S EMERALD DR, MCHENRY, IL 60051-9354
Document Number	0000009792
Instrument Date	Apr 9, 2026
Instrument	2026.9792
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$25,830.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 S EMERALD DR, MCHENRY, IL 60051-9354

Mortgage

Document Number	0000009793,
Date	Apr 13, 2026
Instrument	2026..9793

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.58%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Nunda Township
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
2024	$3,128.00	$39,328 (+21.94%) Land $8,677 Building $30,651	$117,984 (+21.94%) Land $26,031 Building $91,953
2022		$32,253 Land $7,116 Building $25,137	$96,759 Land $21,348 Building $75,411

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	53 (1978–2026)
Claims Outside the SFHA	4 of 53
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 9 claims Severe Storms & Flooding, Jun 1993 · 10 claims

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 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 88 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
AT&T DSL	100 / 20