Lake County property record for 603 Monterrey Ter, McHenry, IL 60050
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,886 sqft · built 1978 |
| Lot Size | 0.19 acres (8,294 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Nov 2017) |
| Tax Bill | $9,099 (2024) |
| Deeds & Mortgages | Dec 2020 Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 05-04-301-021 |
| Primary APN | 05-04-301-021 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,886 sqft Living Area |
| Gross Area | 2,484 sqft |
| 1st Floor Area | 1,054 sqft |
| Upper Floors Area | 832 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Lot Area | 8,294 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 598 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 121 sqft |
| Deck Area | Deck Area |
| Patio Area | 1,281 sqft |
| Cooling System | Central |
|---|
| Street Address | 603 MONTERREY TER |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60050-7135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RICHARD G.GREMLEY & ROY N.MILLER-S ROUND HILL SUB LOT 29 |
| Legal Subdivision | RICHARD G.GREMLEY & ROY N.MILLER-S ROUND |
| Legal Lot Number | 29 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | GRANT |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 860908 |
603 Monterrey Ter is owned and occupied by an individual who bought it in November 2017.
Source: Lake County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 603 MONTERREY TER, MCHENRY, IL 60050-7135 |
| 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.
| Date | Document |
|---|---|
| Dec 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 22, 2017 | Grant Deed, Transfer · FHA Mortgage STEARNS LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 22, 2017 · Amount on File |
| Deed Sale | Nov 22, 2017 · Amount on File |
| Prior Sale | Sep 19, 2016 |
| Deed Document Number | 20177445487 |
| Prior Transfer Date | Aug 17, 2016 |
| Prior Transfer Doc | 0007329769 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 603 MONTERREY TER, MCHENRY, IL 60050-7135 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 603 MONTERREY TER, MCHENRY, IL 60050-7135 |
| Document Number | 0007727131 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 7727131 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Dec 1, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Nov 22, 2017 |
| Property Address | 603 MONTERREY TER, MCHENRY, IL 60050-7135 |
| Document Number | 0007445487 |
| Instrument Date | Sep 28, 2017 |
| Instrument | 7445487 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2017 |
| Title Company | ATTORNEY'S TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $277.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 151 SCULLY DR SCHAUMBURG IL 601931620, SCHAUMBURG, IL 60193-1620 |
| Document Number | 7445488 |
|---|---|
| Date | Nov 22, 2017 |
| Instrument | 7445488 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 21, 2047 |
| Rate | 3.87% |
|---|
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Grant Township |
| Municipality | Fox Lake Village |
| Elementary School District | Fox Lake Grade School District 114 (PK - 08) |
| Secondary School District | Grant Community High School District 124 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $128,761 (+7.98%) Land $18,766 Building $109,995 | $386,322 (+7.98%) Land $56,304 Building $330,018 | |
| 2024 | $9,099.00 (+14.41%) | $119,245 (+20.89%) Land $17,379 Building $101,866 | $357,771 (+20.89%) Land $52,142 Building $305,629 |
| 2023 | $7,953.00 (+31.61%) | $98,637 (+31.84%) Land $16,372 Building $82,265 | $295,941 (+31.84%) Land $49,121 Building $246,820 |
| 2022 | $6,043.00 | $74,816 Land $13,222 Building $61,594 | $224,470 Land $39,670 Building $184,800 |
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 603 Monterrey Ter in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 96 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 100 units insured incl. 4 condo units |
| Nearby Flood Claims | 35 (2007–2026) |
| Claims Outside the SFHA | 1 of 35 |
| Most Recent Claim | May 2026 · rainfall accumulation |
| 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.
The area around 603 Monterrey Ter has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 167 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 |
| AT&T DSL | 100 / 20 |
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