McHenry County property record for 540 Flora Dr, Algonquin, IL 60102
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,598 sqft · built 1995 |
| Lot Size | 0.253 acres (11,042 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $445,000 (Apr 2022) |
| Tax Bill | $10,187 (2024) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-32-229-007 |
| Primary APN | 19-32-229-007 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,598 sqft Living Area |
| 1st Floor Area | 1,340 sqft |
| Basement Area | 864 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,042 sqft (0.253 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 540 FLORA DR |
|---|---|
| City | ALGONQUIN |
| State | IL |
| Zip | 60102-4347 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2022R0015027 LT 700 HIGH HILL FARMS UNIT 13 MEMO: AKA KUTKOWSKI, ILONA |
| Legal Subdivision | HIGH HILL FARMS UNIT 13 |
| Legal Block | 229 |
| Legal Lot Number | 700 |
| Legal Unit | 13 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 871206 |
Source: McHenry County records, as of June 30, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 540 FLORA DR, ALGONQUIN, IL 60102-4347 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP |
| Sep 4, 2019 | Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC |
| Oct 15, 2018 | Warranty Deed, Transfer · VA Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2022 · Amount on File |
| Deed Sale | Apr 25, 2022 · Amount on File |
| Prior Sale | Oct 15, 2018 · Amount on File |
| Deed Document Number | 202215027 |
| Prior Transfer Date | Jan 16, 1995 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Apr 25, 2022 |
| Property Address | 540 FLORA DR, ALGONQUIN, IL 60102-4347 |
| Document Number | 0000015027 |
| Instrument Date | Apr 15, 2022 |
| Instrument | 2022R0015027 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $445.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 540 FLORA DR, ALGONQUIN, IL 60102-4347 |
| Document Number | 0000015028 |
|---|---|
| Date | Apr 25, 2022 |
| Instrument | 2022R0015028 |
| Name | AMERICAN PORTFOLIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 540 FLORA DR, ALGONQUIN, IL 60102-4347 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000028704 |
|---|---|
| Date | Sep 4, 2019 |
| Instrument | 2019R0028704 |
| Name | SOVEREIGN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | COSTA MESA, CA 92626 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Oct 15, 2018 |
| Property Address | 540 FLORA DR, ALGONQUIN, IL 60102-4347 |
| Document Number | 0000035281 |
| Map Reference | DOC94R52499 |
| Instrument Date | Oct 9, 2018 |
| Instrument | 2018R0035281 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $456.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 540 FLORA DR, ALGONQUIN, IL 60102-4347 |
| Document Number | 0000035282 |
|---|---|
| Date | Oct 15, 2018 |
| Instrument | 2018R0035282 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
Source: McHenry County assessment roll, as of June 30, 2025
| Type | Name |
|---|---|
| State | Illinois |
| Municipality | Algonquin Village |
| County | McHenry County |
| County Subdivision | Algonquin Township |
| Unified School District | Community Unit School District 300 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $10,187.00 | $138,230 (+13.94%) Land $23,775 Building $114,455 | $414,690 (+13.94%) Land $71,325 Building $343,365 |
| 2022 | Homeowner's exemption | $121,315 Land $21,044 Building $100,271 | $363,945 Land $63,132 Building $300,813 |
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 | Low lower than 94% of the US · lower than 65% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 359 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures