McHenry County property record for 631 Clover Dr, Algonquin, IL 60102
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,784 sqft · built 2004 |
| Lot Size | 0.493 acres (21,505 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $393,000 (Jan 2019) |
| Deeds & Mortgages | Apr 2018 Line of Credit Aug 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-36-177-002 |
| Primary APN | 18-36-177-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,784 sqft |
| Gross Area | 4,284 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 21,505 sqft |
| Lot Dimensions | 187 ft deep x 115 ft wide |
| Garage Area | 618 sqft |
| Patio Area | 562 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 631 CLOVER DR |
|---|---|
| City | ALGONQUIN |
| State | IL |
| Zip | 60102-6518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2019R0002651 LT 105 TERRACE LAKES UNIT 4 MEMO: GNUECHTEL, MICHAEL M/ CAROLINE M |
| Legal Range | 07E |
| Legal Township | 43N |
| Legal Section | 36 |
| Legal Subdivision | TERRACE LAKES 04 |
| Legal Lot Number | 105 |
| Legal Unit | 4 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | GRAFTON |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 871107 |
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 | 631 CLOVER DR, ALGONQUIN, IL 60102-6518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 3, 2018 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Aug 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage C & R MORTGAGE |
| Jun 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage C & R MORTGAGE |
| Apr 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage C & R MORTGAGE |
| Jan 29, 2019 | Warranty Deed, Transfer · Conventional Mortgage C & R MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2019 · Amount on Record |
| Deed Sale | Jan 29, 2019 · Amount on Record |
| Prior Sale | May 20, 2014 · Amount on Record |
| Deed Document Number | 2019R0002651 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 631 CLOVER DR, ALGONQUIN, IL 60102-6518 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000010428 |
|---|---|
| Date | Apr 3, 2018 |
| Instrument | 2018R0010428 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 15, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 631 CLOVER DR, ALGONQUIN, IL 60102-6518 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000026746 |
|---|---|
| Date | Aug 21, 2019 |
| Instrument | 2019R0026746 |
| Name | C & R MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | NILES, IL 60714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 631 CLOVER DR, ALGONQUIN, IL 60102-6518 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000023654 |
|---|---|
| Date | Jun 29, 2020 |
| Instrument | 2020R0023654 |
| Name | C & R MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | NILES, IL 60714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 631 CLOVER DR, ALGONQUIN, IL 60102-6518 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000023178 |
|---|---|
| Date | Apr 28, 2021 |
| Instrument | 2021R0023178 |
| Name | C & R MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | NILES, IL 60714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jan 29, 2019 |
| Property Address | 631 CLOVER DR, ALGONQUIN, IL 60102-6518 |
| Document Number | 0000002651 |
| Map Reference | DOC 2003R0075294 |
| Instrument Date | Jan 28, 2019 |
| Instrument | 2019R0002651 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $589.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 631 CLOVER DR, ALGONQUIN, IL 60102-6518 |
| Document Number | 0000002652 |
|---|---|
| Date | Jan 29, 2019 |
| Instrument | 2019R0002652 |
| Name | C & R MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
Source: McHenry County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| Municipality | Algonquin Village |
| County | McHenry County |
| County Subdivision | Grafton Township |
| Unified School District | Huntley Consolidated School District 158 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $152,610 Land $14,480 Building $138,130 | $457,830 Land $43,440 Building $414,390 |
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.
Source: FEMA National Flood Hazard Layer, effective February 28, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% 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 | ALGONQUIN serves 30,700 people · EPA ID IL1110050 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2026–2028) action level 15 ppb |
| Copper | 1.6 mg/L (2022–2024) action level 1.3 mg/L |
| 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.
Source: FCC Broadband Data Collection, based on 276 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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