McHenry County property record for 6108 Elm St, Union, IL 60180
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,461 sqft · built 1965 |
| Lot Size | 0.428 acres (18,650 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,646 (2024) |
| Deeds & Mortgages | Apr 2024 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-04-130-002 |
| Primary APN | 17-04-130-002 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,461 sqft Living Area |
| Gross Area | 3,320 sqft |
| 1st Floor Area | 1,461 sqft |
| Basement Area | 1,265 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Frame |
| Foundation Type | Raised |
| Lot Area | 18,650 sqft (0.428 acres) |
| Garage Type | Attached |
| Garage Area | 594 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 6108 ELM ST |
|---|---|
| City | UNION |
| State | IL |
| Zip | 60180-9717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2024R0007849 LT 10 PARK SUB MEMO: MAIN STREET DEDICATED PER DOC 105460 |
| Legal Subdivision | PARK SUB |
| Legal Block | 130 |
| Legal Lot Number | 10 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | CORAL |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 871502 |
6108 Elm St is owned and occupied by an individual who acquired it in April 2024.
Source: McHenry County records, as of October 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6108 ELM ST, UNION, IL 60180-9717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 3, 2024 | Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Oct 15, 2019 | Deed, Transfer · FHA Mortgage PLATINUM HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2024 |
| Deed Sale | Apr 3, 2024 |
| Prior Sale | Oct 15, 2019 · Amount on File |
| Deed Document Number | 20247849 |
| Prior Transfer Date | Mar 11, 2024 |
| Prior Transfer Doc | 0000007849 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Apr 3, 2024 |
| Property Address | 6108 ELM ST, UNION, IL 60180-9717 |
| Document Number | 0000007849 |
| Map Reference | DOC 373932 MB 14PG57 |
| Instrument Date | Mar 11, 2024 |
| Instrument | 2024R0007849 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6108 ELM ST, UNION, IL 60180-9717 |
| Document Number | 0000007850 |
|---|---|
| Date | Apr 3, 2024 |
| Instrument | 2024R0007850 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.18% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Oct 15, 2019 |
| Property Address | 6108 ELM ST, UNION, IL 60180-9717 |
| Document Number | 0000034513 |
| Map Reference | MB 14 PG 57 |
| Instrument Date | Sep 25, 2019 |
| Instrument | 2019R0034513 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | ATTORNEYS TTL GUARANTY FUND |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $247.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 6108 ELM ST, UNION, IL 60180-9717 |
| Document Number | 0000034514 |
|---|---|
| Date | Oct 15, 2019 |
| Instrument | 2019R0034514 |
| Name | PLATINUM HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
Source: McHenry County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Coral Township |
| Municipality | Union Village |
| Elementary School District | Marengo-Union Elementary Consolidated District 165 (PK - 08) |
| Secondary School District | Marengo Community High School District 154 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $4,646.00 | $79,052 Land $13,732 Building $65,320 | $237,156 Land $41,196 Building $195,960 |
| 2022 | Homeowner's exemption | $62,624 Land $11,294 Building $51,330 | $187,872 Land $33,882 Building $153,990 |
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 6108 Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2007 · river or lake flooding |
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 risk around 6108 Elm St 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 99.1% of the US · lower than 94% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | UNION serves 594 people · EPA ID IL1110900 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Rise Broadband Fixed Wireless | 100 / 20 |
| Fox Valley Internet Fixed Wireless | 100 / 20 |
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