6 Garfield St, Harvard, IL 60033 Property Records

McHenry County property record for 6 Garfield St, Harvard, IL 60033

Property Summary

Property Type	Single Family Home
Lot Size	0.199 acres (8,699 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Nov 2023)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-35-481-008`

Property Details

APN / Parcel Number

Primary APN	`01-35-481-008`

Exterior

Lot Area	8,699 sqft

Location & Zoning

Street Address	6 GARFIELD ST
City	HARVARD
State	IL
Zip	60033-3118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2012R0037539 LT 8 BLK 17 HARTS 3RD ADDN CITY OF HARVARD
Legal Range	05E
Legal Township	46N
Legal Section	35
Legal Subdivision	HARTS 3RD ADD
Legal Block	17
Legal Lot Number	8
Jurisdiction	MCHENRY IL
Township / Civil Division	CHEMUNG
Census Block Group	1
Census Block	1029
Census Tract	870302

Owner

6 Garfield St is owned and occupied by an individual who bought it in November 2023.

Source: McHenry County records, as of May 13, 2024

Owner of Record	Individual Name on File
Mailing Address	6 GARFIELD ST, HARVARD, IL 60033-3118
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2023 · Amount on File
Deed Sale	Nov 27, 2023 · Amount on File
Prior Sale	Aug 20, 2012
Deed Document Number	2023R0029876
Record Updated	Jun 7, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 27, 2023
Property Address	6 GARFIELD ST, HARVARD, IL 60033-3118
Document Number	0000029876
Map Reference	DOC1885 MB45 PG26
Instrument Date	Nov 14, 2023
Instrument	2023R0029876
Transaction Type	Transfer
Record Updated	Dec 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 GARFIELD ST, HARVARD, IL 60033-3118

Mortgage

Document Number	0000029877
Date	Nov 27, 2023
Instrument	2023R0029877

Lender

Name	SAUK VALLEY BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	7.25%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	14.2%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2022

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	Assessed Value	Assessed Market Value
2022	$30,063 Land $11,670 Building $18,393	$90,189 Land $35,010 Building $55,179

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 6 Garfield St 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	3 in force
Nearby Flood Claims	3 (2003–2013)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims

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

Wildfire risk around 6 Garfield St is low, with 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 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 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile, Verizon.

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