609 S Emerald Dr, McHenry, IL 60051 Property Records

McHenry County property record for 609 S Emerald Dr, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 1,648 sqft · built 1988
Lot Size	0.31 acres (13,504 sqft)
Owner	Trust Name on File
Last Sale	$355,000 (Apr 2021)
Deeds & Mortgages	Apr 2021 Sale May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-01-326-005`

Property Details

APN / Parcel Number

Primary APN	`14-01-326-005`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	4 Plumbing Fixtures
Stories	1 Story
Building Area	1,648 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Raised
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	476 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	609 S EMERALD DR
City	MCHENRY
State	IL
Zip	60051-9420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0021402 LT 5 HICKORY GRANGE SUB
Legal Range	08E
Legal Township	44N
Legal Section	01
Legal Subdivision	HICKORY GRANGE
Legal Block	326
Legal Lot Number	5
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	1
Census Block	1037
Census Tract	870811

Owner

609 S Emerald Dr is owner-occupied and held in a trust since April 2021.

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

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	609 S EMERALD DR, MCHENRY, IL 60051-9420
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Apr 19, 2021	Deed, Transfer HERITAGE TITLE COMPANY
May 14, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
May 30, 2019	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2021 · Amount on File
Deed Sale	Apr 19, 2021 · Amount on File
Prior Sale	May 30, 2019 · Amount on File
Deed Document Number	2021R0021402
Record Updated	Jun 7, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 19, 2021
Property Address	609 S EMERALD DR, MCHENRY, IL 60051-9420
Document Number	0000021402
Map Reference	MB 5 PG 9 DOC 63686
Instrument Date	Apr 5, 2021
Instrument	2021R0021402
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$355.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	609 S EMERALD DR, 609, MCHENRY, IL 60051-9420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 S EMERALD DR, MCHENRY, IL 60051-9420

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	609 S EMERALD DR, MCHENRY, IL 60051-9420
Document Number	0000018722
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 S EMERALD DR MCHENRY IL 600519420, MCHENRY, IL 60051-9420

Mortgage

Document Number	0000018722
Date	May 28, 2020
Instrument	18722

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 27, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	May 30, 2019
Property Address	609 S EMERALD DR, MCHENRY, IL 60051-9420
Document Number	0000015289
Instrument Date	May 30, 2019
Instrument	15289
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Tax	$447.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 STEEPLECHASE CT SCHAUMBURG IL 601732165, SCHAUMBURG, IL 60173-2165

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Nunda Township
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
2022	Homeowner's exemption	$116,374 Land $41,184 Building $75,190	$349,122 Land $123,552 Building $225,570

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 609 S Emerald Dr 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
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	53 (1978–2026)
Claims Outside the SFHA	4 of 53
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 9 claims Severe Storms & Flooding, Jun 1993 · 10 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 609 S Emerald Dr 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 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 283 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: Verizon.

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