McHenry County property record for 5321 W Valley Dr, Richmond, IL 60071
| Property Type | Single Family Home |
|---|---|
| Details | 1,397 sqft · built 1982 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $309,000 (Sep 2025) |
| Tax Bill | $5,437 (2024) |
| Deeds & Mortgages | Apr 2024 Line of Credit Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-16-204-005 |
| Primary APN | 04-16-204-005 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,397 sqft Living Area |
| Gross Area | 2,314 sqft |
| Year Built | Built 1982 |
|---|---|
| Construction Type | Frame |
| Lot Area | 10,454 sqft (0.239 acres) |
| Deck Area | 254 sqft |
| Street Address | 5321 W VALLEY DR |
|---|---|
| City | RICHMOND |
| State | IL |
| Zip | 60071-9451 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2001R0033116 LT 143 2ND ADDN TO HILLVIEW VILL OF RICHMOND |
| Legal Range | 08E |
| Legal Township | 46N |
| Legal Section | 16 |
| Legal Subdivision | 2ND ADDN TO HILLVIEW VILL |
| Legal Block | 204 |
| Legal Lot Number | 2,143 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1058 |
| Census Tract | 870104 |
5321 W Valley Dr is owned and occupied by an individual who bought it in September 2025.
Source: McHenry County records, as of October 13, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5321 W VALLEY DR, RICHMOND, IL 60071-9451 |
| 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 |
|---|---|
| Apr 9, 2024 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Sep 25, 2025 | Warranty Deed, Transfer · Conventional Mortgage DIAMOND RESIDENTIAL MORTGAGE CORP |
| Jan 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2025 · Amount on File |
| Deed Sale | Sep 25, 2025 · Amount on File |
| Prior Sale | May 21, 2001 · Amount on File |
| Deed Document Number | 2025R0026307 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 5321 W VALLEY DR, RICHMOND, IL 60071-9451 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5321 W VALLEY DR, RICHMOND, IL 60071-9451 |
| Document Number | 0000008355 |
|---|---|
| Date | Apr 9, 2024 |
| Instrument | 2024R0008355 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 27, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Sep 25, 2025 |
| Property Address | 5321 W VALLEY DR, RICHMOND, IL 60071-9451 |
| Document Number | 0000026307 |
| Map Reference | DOC 518519 |
| Instrument Date | Aug 27, 2025 |
| Instrument | 2025R0026307 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $309.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5321 W VALLEY DR, RICHMOND, IL 60071-9451 |
| Document Number | 0000026308 |
|---|---|
| Date | Sep 25, 2025 |
| Instrument | 2025R0026308 |
| Name | DIAMOND RESIDENTIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 5321 W VALLEY DR, RICHMOND, IL 60071-9451 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000257 |
|---|---|
| Date | Jan 3, 2019 |
| Instrument | 2019R0000257 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2049 |
Source: McHenry County assessment roll, as of January 1, 2024
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Richmond Township |
| Municipality | Richmond Village |
| Elementary School District | Nippersink School District 2 (KG - 08) |
| Secondary School District | Richmond-Burton Community High School District 157 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $5,437.00 Homeowner's exemption | $74,994 Land $19,369 Building $55,625 | $224,982 Land $58,107 Building $166,875 |
| 2022 | Homeowner's exemption | $61,729 Land $15,943 Building $45,786 | $185,187 Land $47,829 Building $137,358 |
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 5321 W Valley Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 6 in force |
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 5321 W Valley Dr is low, with less than 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 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 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 | RICHMOND serves 2,089 people · EPA ID IL1110750 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 10 ppb (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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 141 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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