605 Lincoln St, Harvard, IL 60033 Property Records

McHenry County property record for 605 Lincoln St, Harvard, IL 60033

Property Summary

Property Type	Single Family Home
Lot Size	0.199 acres (8,696 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-35-287-010`

Property Details

APN / Parcel Number

Primary APN	`01-35-287-010`

Exterior

Lot Area	8,696 sqft

Location & Zoning

Street Address	605 LINCOLN ST
City	HARVARD
State	IL
Zip	60033-2425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0020087 LT 3 BLK 9 & W1/2 VAC ALLEY VACATED PER DOCS 1987R0005809 & 1986R0938985 LYING E OF & ADJ E G AYERS ADDN
Legal Range	05E
Legal Township	46N
Legal Section	35
Legal Subdivision	LYING E OF ADJ E G AYERS ADD
Legal Block	9
Legal Lot Number	3
Jurisdiction	MCHENRY IL
Township / Civil Division	CHEMUNG
Census Block Group	2
Census Block	2041
Census Tract	870302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	605 LINCOLN ST, HARVARD, IL 60033-2425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF OMAHA
Mar 15, 2024	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF OMAHA
Feb 14, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF OMAHA
Jul 3, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Feb 21, 1996
Last Transfer Date	Jul 3, 2019
Transfer Doc	0000020087
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Recording Date	Apr 21, 2026
Property Address	605 LINCOLN ST, HARVARD, IL 60033-2425
Document Number	0000010718
Instrument Date	Apr 15, 2026
Instrument	202610718
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	605 LINCOLN ST, HARVARD, IL 60033-2425

Mortgage

Document Number	0000010718,
Date	Apr 21, 2026
Instrument	202610718

Lender

Name	FIRST NATIONAL BANK OF OMAHA

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	605 LINCOLN ST, HARVARD, IL 60033-2425
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006202
Date	Mar 15, 2024
Instrument	2024R0006202

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	605 LINCOLN ST, HARVARD, IL 60033-2425
Transaction Type	Mortgage
Record Updated	Feb 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003361
Date	Feb 14, 2023
Instrument	2023R0003361

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Jul 3, 2019
Property Address	605 LINCOLN ST, HARVARD, IL 60033-2425
Document Number	0000020087
Map Reference	MB 53 PG 11
Instrument Date	Jun 24, 2019
Instrument	2019R0020087
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	WHEATLAND TITLE GUARANTY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 LINCOLN ST, 605, HARVARD, IL 60033-2425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 LINCOLN ST, HARVARD, IL 60033-2425

Mortgage

Document Number	0000020088
Date	Jul 3, 2019
Instrument	2019R0020088

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2034

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	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$42,325 Land $11,670 Building $30,655	$126,975 Land $35,010 Building $91,965

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2001 · rainfall accumulation

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

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 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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