645 Chestnut Ct, Algonquin, IL 60102 Property Records

McHenry County property record for 645 Chestnut Ct, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,883 sqft · built 1978
Lot Size	0.227 acres (9,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$266,500 (Jun 2007)
Tax Bill	$7,390 (2024)
Deeds & Mortgages	May 2026 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-33-206-001`

Property Details

APN / Parcel Number

Primary APN	`19-33-206-001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,883 sqft Living Area
1st Floor Area	1,258 sqft
Basement Area	625 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,900 sqft (0.227 acres)
Lot Dimensions	110 ft deep x 90 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	645 CHESTNUT CT
City	ALGONQUIN
State	IL
Zip	60102-2117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2007R0042819 LT 11 HIGH HILL FARMS UNIT 1
Legal Subdivision	HIGH HILL FARMS UNIT 1
Legal Block	206
Legal Lot Number	11
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3002
Census Tract	871311

Owner

Source: McHenry County records, as of June 1, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	645 CHESTNUT CT, ALGONQUIN, IL 60102-2117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE CORPORATION
Jul 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
May 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2007 · Amount on Record
Deed Sale	Jun 20, 2007 · Amount on Record
Deed Document Number	200742819
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Recording Date	May 19, 2026
Property Address	645 CHESTNUT CT, ALGONQUIN, IL 60102-2117
Document Number	0000013731
Instrument Date	May 11, 2026
Instrument	202613731
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	POST CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	645 CHESTNUT CT, ALGONQUIN, IL 60102-2117

Mortgage

Document Number	0000013731,
Date	May 19, 2026
Instrument	202613731

Lender

Name	COMMUNITY MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.13%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	645 CHESTNUT CT, ALGONQUIN, IL 60102-2117
Transaction Type	Mortgage
Record Updated	Jul 20, 2021
Title Company	NOVAS TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037563
Date	Jul 9, 2021
Instrument	2021R0037563

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	95861

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	645 CHESTNUT CT, ALGONQUIN, IL 60102-2117
Transaction Type	Mortgage
Record Updated	May 27, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015545
Date	May 31, 2019
Instrument	2019R0015545

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2034

Interest

Rate	3.87%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	645 CHESTNUT CT, ALGONQUIN, IL 60102-2117
Transaction Type	Mortgage
Record Updated	May 27, 2021
Title Company	NOVAS TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040271
Date	Oct 1, 2020
Instrument	2020R0040271

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.5%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of June 30, 2025

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Algonquin Village
County	McHenry County
County Subdivision	Algonquin Township
Unified School District	Community Unit School District 300 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$7,390.00	$102,478 (+27.15%) Land $23,055 Building $79,423	$307,434 (+27.15%) Land $69,165 Building $238,269
2022	Homeowner's exemption	$80,597 Land $21,044 Building $59,553	$241,791 Land $63,132 Building $178,659

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

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	7 (1979–2011)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jul 2011 · 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

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.

Drinking Water

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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