5604 Chesapeake Dr, McHenry, IL 60050 Property Records

McHenry County property record for 5604 Chesapeake Dr, McHenry, IL 60050

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,296 sqft · built 1995
Lot Size	1 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Dec 2021)
Tax Bill	$6,689 (2024)
Deeds & Mortgages	Sep 2026 Transfer Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-28-133-002`

Property Details

APN / Parcel Number

Primary APN	`09-28-133-002`

Interior

Full Baths	4 Baths
Half Baths	4 Half Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	3,296 sqft Living Area
1st Floor Area	1,903 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	3,049 sqft (1 acres)
Garage Area	538 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	187 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5604 CHESAPEAKE DR
City	MCHENRY
State	IL
Zip	60050-3348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0066373 UNIT 5604 CHESAPEAKE HILLS CONDOS PHASE 7 6TH SUPPL (SE PT LT 2 CCP)
Legal Subdivision	CHESAPEAKE HILLS CONDOS PHASE 7
Legal Phase	7
Legal Lot Number	2
Legal Unit	5604
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	2
Census Block	2070
Census Tract	870501

Owner

5604 Chesapeake Dr is owned by two individuals who acquired it in March 2025.

Source: McHenry County records, as of September 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	509 PACIFIC ST, 3D, BROOKLYN, NY 11217-1189
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Dec 13, 2021	Deed, Transfer · Conventional Mortgage LOWER LLC
Aug 24, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST MIDWEST BANK
Aug 28, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2021 · Amount on File
Deed Sale	Dec 13, 2021 · Amount on File
Prior Sale	Jul 15, 2015 · Amount on File
Deed Document Number	202166373
Last Transfer Date	Mar 21, 2025
Transfer Doc	0000025944
Record Updated	Oct 29, 2026

September 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 4, 2026
Property Address	5604 CHESAPEAKE DR, MCHENRY, IL 60050-3348
Document Number	0000025944
Instrument Date	Mar 21, 2025
Instrument	202625944
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Percentage Unclear

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 PACIFIC ST, 3D, BROOKLYN, NY 11217-1189

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Dec 13, 2021
Property Address	5604 CHESAPEAKE DR, MCHENRY, IL 60050-3348
Document Number	0000066373
Map Reference	DOC 89R44047
Instrument Date	Nov 23, 2021
Instrument	2021R0066373
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TTL SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5604 CHESAPEAKE DR, MCHENRY, IL 60050-3348

Mortgage

Document Number	0000066374
Date	Dec 13, 2021
Instrument	2021R0066374

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.62%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	5604 CHESAPEAKE DR, MCHENRY, IL 60050-3348
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031293
Date	Aug 24, 2017
Instrument	2017R0031293

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	ITASCA, IL 60143

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 28, 2017
Property Address	5604 CHESAPEAKE DR, MCHENRY, IL 60050-3348
Document Number	0000031753
Instrument Date	Aug 18, 2017
Instrument	31753
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5604 CHESAPEAKE DR MCHENRY IL 600503348, MCHENRY, IL 60050-3348

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	McHenry Township
Municipality	McHenry City
Elementary School District	McHenry Community Consolidated School District 15 (PK - 08)
Secondary School District	McHenry Community High School District 156 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$6,689.00	$95,078 Land $14,743 Building $80,335	$285,234 Land $44,229 Building $241,005
2022	Homeowner's exemption	$79,024 Land $12,253 Building $66,771	$237,072 Land $36,759 Building $200,313

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.

Flood

FEMA maps place 5604 Chesapeake Dr in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 5604 Chesapeake 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 97% of the US · lower than 79% 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.

Drinking Water

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

Water System	MCHENRY serves 22,335 people · EPA ID IL1110600
Water Source	Groundwater
Last State Inspection	May 2023
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	23 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Verizon.

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