54 N Ayer St, Harvard, IL 60033 Property Records

McHenry County property record for 54 N Ayer St, Harvard, IL 60033

Property Summary

Property Type	Commercial
Lot Size	0.057 acres (2,510 sqft)
Owner	Company Name on Record
Tax Bill	$5,689 (2024)
Deeds & Mortgages	Nov 2025 Sale Sep 2022 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-35-407-005`

Property Details

APN / Parcel Number

Primary APN	`01-35-407-005`

Exterior

Lot Area	2,510 sqft

Location & Zoning

Street Address	54 N AYER ST
City	HARVARD
State	IL
Zip	60033-2803
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	DOC 2022R0030804 LT 13 BLK 6 ORIG PLAT CITY OF HARVARD
Legal Range	05E
Legal Township	46N
Legal Section	35
Legal Subdivision	HARVARD
Legal Tract	1
Legal Block	6
Legal Lot Number	13
Jurisdiction	MCHENRY IL
Township / Civil Division	CHEMUNG
Census Block Group	3
Census Block	3002
Census Tract	870302

Owner

Source: McHenry County records, as of December 2, 2025

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	Company Name on Record
Mailing Address	22 N AYER ST, HARVARD, IL 60033-2861
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Warranty Deed, Transfer
Sep 2, 2022	Warranty Deed, Transfer · Line of Credit THE HARVARD STATE BANK
Aug 10, 2018	Quit Claim Deed, Transfer HERITAGE TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2025
Deed Sale	Nov 20, 2025
Prior Sale	Feb 10, 2025
Deed Document Number	2025R0032729
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 20, 2025
Property Address	54 N AYER ST, HARVARD, IL 60033-2803
Document Number	0000032729
Map Reference	MB 17 PG 54
Instrument Date	Nov 10, 2025
Instrument	2025R0032729
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 N AYER ST, HARVARD, IL 60033-2861

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 2, 2022
Property Address	54 N AYER ST, HARVARD, IL 60033-2803
Document Number	0000030804
Map Reference	MB 17 PG 64
Instrument Date	Aug 31, 2022
Instrument	2022R0030804
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23119 GRAF RD, HARVARD, IL 60033-9352

Mortgage

Document Number	0000030805
Date	Sep 2, 2022
Instrument	2022R0030805

Lender

Name	THE HARVARD STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	4.85%
Change Frequency	Monthly

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 10, 2018
Property Address	54 N AYER ST, HARVARD, IL 60033-2803
Document Number	0000027459
Instrument Date	Jul 27, 2018
Instrument	27459
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	HERITAGE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 787 HARVARD IL 600330787, HARVARD, IL 60033-0787

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2024

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Chemung Township
Municipality	Harvard City
Unified School District	Harvard Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$5,689.00	$63,461 (+10.49%) Land $7,647 Building $55,814	$190,383 (+10.49%) Land $22,941 Building $167,442
2022		$57,437 Land $6,913 Building $50,524	$172,311 Land $20,739 Building $151,572

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	Apr 2026 · river or lake flooding

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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARVARD serves 9,469 people · EPA ID IL1110250
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	7 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 476 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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