McHenry County property record for 521 Clover Dr, Algonquin, IL 60102
| Property Type | Single Family Home |
|---|---|
| Details | 4,360 sqft · built 2003 |
| Lot Size | 0.425 acres (18,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $380,000 (May 2020) |
| Tax Bill | $12,542 (2024) |
| Deeds & Mortgages | Aug 2026 Line of Credit May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-36-129-005 |
| Primary APN | 18-36-129-005 |
|---|
| Building Area | 4,360 sqft Living Area |
|---|---|
| Basement Area | 1,411 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 18,560 sqft (0.425 acres) |
| Garage Area | 747 sqft |
| Patio Area | 359 sqft |
| Cooling System | Central |
|---|
| Street Address | 521 CLOVER DR |
|---|---|
| City | ALGONQUIN |
| State | IL |
| Zip | 60102-6521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2020R0015363 LT 82 TERRACE LAKES SUB UNIT 3 |
| Legal Subdivision | TERRACE LAKES SUB |
| Legal Tract | 1 |
| Legal Lot Number | 82 |
| Legal Unit | 3 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | GRAFTON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 871107 |
Source: McHenry County records, as of August 17, 2026
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 521 CLOVER DR, ALGONQUIN, IL 60102-6521 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 4, 2026 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK |
| May 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| May 4, 2020 | Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2020 · Amount on Record |
| Deed Sale | May 4, 2020 · Amount on Record |
| Prior Sale | Nov 17, 2003 · Amount on Record |
| Deed Document Number | 202015363 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Aug 4, 2026 |
| Property Address | 521 CLOVER DR, ALGONQUIN, IL 60102-6521 |
| Document Number | 0000022475 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 202622475 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 521 CLOVER DR, ALGONQUIN, IL 60102-6521 |
| Document Number | 0000022475, |
|---|---|
| Date | Aug 4, 2026 |
| Instrument | 202622475 |
| Name | JPMORGAN CHASE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 5, 2056 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 521 CLOVER DR, ALGONQUIN, IL 60102-6521 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2021 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000026634 |
|---|---|
| Date | May 17, 2021 |
| Instrument | 2021R0026634 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | May 4, 2020 |
| Property Address | 521 CLOVER DR, ALGONQUIN, IL 60102-6521 |
| Document Number | 0000015363 |
| Map Reference | DOC 2002R054784 |
| Instrument Date | Apr 23, 2020 |
| Instrument | 2020R0015363 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 521 CLOVER DR, CARPENTERSVILLE, IL 60110 |
| Document Number | 0000015364 |
|---|---|
| Date | May 4, 2020 |
| Instrument | 2020R0015364 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
Source: McHenry County assessment roll, as of June 30, 2025
| Type | Name |
|---|---|
| State | Illinois |
| Municipality | Algonquin Village |
| County | McHenry County |
| County Subdivision | Grafton Township |
| Unified School District | Huntley Consolidated School District 158 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $12,542.00 | $178,473 (+22.25%) Land $18,634 Building $159,839 | $535,419 (+22.25%) Land $55,902 Building $479,517 |
| 2022 | Homeowner's exemption | $145,988 Land $15,242 Building $130,746 | $437,964 Land $45,726 Building $392,238 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | ALGONQUIN serves 30,700 people · EPA ID IL1110050 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2026–2028) action level 15 ppb |
| Copper | 1.6 mg/L (2022–2024) action level 1.3 mg/L |
| 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 276 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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