673 Saddle Rdg, Crystal Lake, IL 60012 Property Records

McHenry County property record for 673 Saddle Rdg, Crystal Lake, IL 60012

Property Summary

Property Type	Single Family Home
Details	4 bd · 8 ba · 3,111 sqft · built 1989
Lot Size	1.34 acres (58,370 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (May 2021)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-28-302-005`

Property Details

APN / Parcel Number

Primary APN	`14-28-302-005`

Interior

Bedrooms	4 Beds
Full Baths	8 Baths
Half Baths	5 Half Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,111 sqft Living Area
Gross Area	5,312 sqft
Basement Area	2,164 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Brick
Foundation Type	Raised
Lot Area	58,370 sqft (1.34 acres)
Garage Type	Attached
Garage Area	526 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	673 SADDLE RDG
City	CRYSTAL LAKE
State	IL
Zip	60012-3600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0028853 LT 12 INDIAN HILL TRAILS UNIT 5
Legal Range	08E
Legal Township	44N
Legal Section	28
Legal Subdivision	INDIAN HILL TRAILS
Legal Tract	1
Legal Block	302
Legal Lot Number	12
Legal Unit	5
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	1
Census Block	1006
Census Tract	870808

Owner

673 Saddle Rdg is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	673 SADDLE RDG, CRYSTAL LAKE, IL 60012-3600
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2021 · Amount on File
Deed Sale	May 26, 2021 · Amount on File
Prior Sale	Apr 3, 1998
Deed Document Number	2021R0028853
Record Updated	Jun 7, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	May 26, 2021
Property Address	673 SADDLE RDG, CRYSTAL LAKE, IL 60012-3600
Document Number	0000028853
Map Reference	DOC 89R013301
Instrument Date	May 18, 2021
Instrument	2021R0028853
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$475.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	131 VISTA DR, KISSIMMEE, FL 34759-3669

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	673 SADDLE RDG, CRYSTAL LAKE, IL 60012-3600

Mortgage

Document Number	0000028854
Date	May 26, 2021
Instrument	2021R0028854

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

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
Municipality	Crystal Lake City
Elementary School District	Crystal Lake Community Consolidated School District 47 (PK - 08)
Secondary School District	Community High School District 155 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$148,255 Land $36,918 Building $111,337	$444,765 Land $110,754 Building $334,011

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 673 Saddle Rdg in Zone X, an area of minimal flood risk.

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	1 in force

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 673 Saddle Rdg 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 94% of the US · lower than 61% of Illinois
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CRYSTAL LAKE serves 40,661 people · EPA ID IL1110150
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20