McHenry County property record for 5406 Joseph Cir, Johnsburg, IL 60051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 2,760 sqft · built 2000 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $329,000 (Apr 2018) |
| Deeds & Mortgages | Dec 2020 Mortgage Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-05-353-024 |
| Primary APN | 10-05-353-024 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 3 Half Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,760 sqft Living Area |
| Gross Area | 4,140 sqft |
| 1st Floor Area | 1,380 sqft |
| Basement Area | 1,380 sqft |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 21,780 sqft |
| Garage Area | 852 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 184 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5406 JOSEPH CIR |
|---|---|
| City | JOHNSBURG |
| State | IL |
| Zip | 60051-8423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2018R0012229 LT 31 COTTON ESTATES SUB |
| Legal Range | 09E |
| Legal Township | 45N |
| Legal Section | 05 |
| Legal Subdivision | COTTON ESTATES |
| Legal Block | 353 |
| Legal Lot Number | 31 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | MCHENRY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 870704 |
5406 Joseph Cir is owned and occupied by an individual who bought it in April 2018.
Source: McHenry County records, as of May 13, 2024
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 | Individual Name on File |
|---|---|
| Mailing Address | 5406 JOSEPH CIR, JOHNSBURG, IL 60051-8423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP |
| Oct 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP |
| Apr 18, 2018 | Quit Claim Deed, Transfer FIRST UNITED TITLE SERVICES IN |
| Apr 18, 2018 | Warranty Deed, Transfer · FHA Mortgage AMERICAN PORTFOLIO MORTGAGE CORP |
| Aug 22, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 18, 2018 · Amount on File |
| Deed Sale | Apr 18, 2018 · Amount on File |
| Prior Sale | Apr 18, 2018 |
| Deed Document Number | 2018R0012229 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 5406 JOSEPH CIR, JOHNSBURG, IL 60051-8423 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000057930 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 2020R0057930 |
| Name | AMERICAN PORTFOLIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PALATINE, IL 60074 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 5406 JOSEPH CIR, JOHNSBURG, IL 60051-8423 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000055168 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 2021R0055168 |
| Name | AMERICAN PORTFOLIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PALATINE, IL 60067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Apr 18, 2018 |
| Property Address | 5406 JOSEPH CIR, JOHNSBURG, IL 60051-8423 |
| Document Number | 0000012228 |
| Instrument Date | Mar 15, 2018 |
| Instrument | 12228 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2018 |
| Title Company | FIRST UNITED TITLE SERVICES IN |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5406 JOSEPH CIR JOHNSBURG IL 600518423, JOHNSBURG, IL 60051-8423 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Apr 18, 2018 |
| Property Address | 5406 JOSEPH CIR, JOHNSBURG, IL 60051-8423 |
| Document Number | 0000012229 |
| Map Reference | DOC95R027935 |
| Instrument Date | Mar 15, 2018 |
| Instrument | 2018R0012229 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | GIRST UNITED TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $493.50 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 5406 JOSEPH CIR, JOHNSBURG, IL 60051-8423 |
| Document Number | 0000012230 |
|---|---|
| Date | Apr 18, 2018 |
| Instrument | 2018R0012230 |
| Name | AMERICAN PORTFOLIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Aug 22, 2017 |
| Property Address | 5406 JOSEPH CIR, JOHNSBURG, IL 60051-8423 |
| Document Number | 0000031021 |
| Map Reference | DOC95R27935 |
| Instrument Date | Mar 20, 2017 |
| Instrument | 2017R0031021 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 5406 JOSEPH CIR, JOHNSBURG, IL 60051-8423 |
| Document Number | 0000031022 |
|---|---|
| Date | Aug 22, 2017 |
| Instrument | 2017R0031022 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jun 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Document Number | 0000031023 |
|---|---|
| Date | Aug 22, 2017 |
| Instrument | 2017R0031023 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | May 23, 2047 |
Source: McHenry County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | McHenry Township |
| Municipality | Johnsburg Village |
| Unified School District | Johnsburg Community Unit School District 12 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $118,001 Land $20,016 Building $97,985 | $354,003 Land $60,048 Building $293,955 |
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 5406 Joseph Cir in Zone X, an area of minimal flood risk, though there have been 41 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 16 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 41 (1979–2026) |
| Claims Outside the SFHA | 2 of 41 |
| Most Recent Claim | Apr 2026 · river or lake flooding |
| 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 5406 Joseph Cir 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 95% of the US · lower than 70% 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 | IL AMERICAN-WHISPERING HILLS private · serves 8,300 people · EPA ID IL1115700 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 59 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 213 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 |
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