McHenry County property record for 5220 Palm St, McHenry, IL 60051
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 4 ba · 1,334 sqft · built 1979 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $284,000 (Mar 2026) |
| Tax Bill | $5,480 (2024) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-32-235-034 |
| Primary APN | 15-32-235-034 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Building Area | 1,334 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 110 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5220 PALM ST |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60051-9706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2022R0027538 LTS 434 & 435 BOULEVARD PARK |
| Legal Lot Number | 434-435 435 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | NUNDA |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 870812 |
5220 Palm St is owned and occupied by an individual who bought it in March 2026.
Source: McHenry County records, as of March 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5220 PALM ST, MCHENRY, IL 60051-9706 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Mar 2, 2026 | Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS |
| Aug 4, 2022 | Warranty Deed, Transfer · Conventional Mortgage PLATINUM HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2026 · Amount on File |
| Deed Sale | Mar 2, 2026 · Amount on File |
| Prior Sale | Aug 4, 2022 · Amount on File |
| Deed Document Number | 2026R0005422 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Mar 2, 2026 |
| Property Address | 5220 PALM ST, MCHENRY, IL 60051-9706 |
| Document Number | 0000005422 |
| Map Reference | DOC 77847 |
| Instrument Date | Feb 23, 2026 |
| Instrument | 2026R0005422 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $284.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5220 PALM ST, MCHENRY, IL 60051-9706 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5220 PALM ST, MCHENRY, IL 60051-9706 |
| Document Number | 0000005423 |
|---|---|
| Date | Mar 2, 2026 |
| Instrument | 2026R0005423 |
| Name | NEIGHBORHOOD LOANS |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Aug 4, 2022 |
| Property Address | 5220 PALM ST, MCHENRY, IL 60051-9706 |
| Document Number | 0000027538 |
| Map Reference | DOC 77847 |
| Instrument Date | Jul 7, 2022 |
| Instrument | 2022R0027538 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $242.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5220 PALM ST, MCHENRY, IL 60051-9706 |
| Document Number | 0000027539 |
|---|---|
| Date | Aug 4, 2022 |
| Instrument | 2022R0027539 |
| Name | PLATINUM HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.99% |
Source: McHenry County assessment roll, as of January 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $5,480.00 Homeowner's exemption | $83,434 Land $15,032 Building $68,402 | $250,302 Land $45,096 Building $205,206 |
| 2022 | Homeowner's exemption | $68,424 Land $12,327 Building $56,097 | $205,272 Land $36,981 Building $168,291 |
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.
FEMA maps place 5220 Palm St in Zone X, an area of minimal flood risk, though there have been 32 flood claims nearby since 1979.
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 |
| 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.
Wildfire risk around 5220 Palm 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.
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 237 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures