705 Old Oak Cir, Algonquin, IL 60102 Property Records

McHenry County property record for 705 Old Oak Cir, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,450 sqft · built 1990
Lot Size	0.232 acres (10,125 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Sep 2021)
Deeds & Mortgages	Nov 2019 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-34-227-020`

Property Details

APN / Parcel Number

Primary APN	`19-34-227-020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,450 sqft
Gross Area	3,560 sqft
1st Floor Area	1,132 sqft
2nd Floor Area	1,318 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Exterior Material	Ribbed Aluminum
Lot Area	10,125 sqft (0.232 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	705 OLD OAK CIR
City	ALGONQUIN
State	IL
Zip	60102-3134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0048726 LT 127 OLD OAK TERRACE UNIT 1
Legal Range	08E
Legal Township	43N
Legal Section	34
Legal Subdivision	OLD OAK TERRACE 01
Legal Block	227
Legal Lot Number	127
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1003
Census Tract	871404

Owner

705 Old Oak Cir is owned by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	705 OLD OAK CIR, ALGONQUIN, IL 60102-3134
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

Date	Document
Nov 14, 2019	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 7, 2021	Warranty Deed, Transfer · Conventional Mortgage MIDAMERICA LENDERS & CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2021 · Amount on File
Deed Sale	Sep 7, 2021 · Amount on File
Prior Sale	Nov 4, 2016 · Amount on File
Deed Document Number	WARRANTY DEED
Record Updated	Jun 7, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	705 OLD OAK CIR, ALGONQUIN, IL 60102-3134
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039019
Date	Nov 14, 2019
Instrument	2019R0039019

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Interest

Rate	3.5%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 7, 2021
Property Address	705 OLD OAK CIR, ALGONQUIN, IL 60102-3134
Document Number	0000048726
Instrument Date	Sep 2, 2021
Instrument	2021R0048726
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	AMERICAN LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 OLD OAK CIRCLE, ALGONQUIN, IL 60102

Mortgage

Document Number	0000048727
Date	Sep 7, 2021
Instrument	2021R0048727

Lender

Name	MIDAMERICA LENDERS & CO
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

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

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
2022	Homeowner's exemption	$104,880 Land $20,766 Building $84,114	$314,640 Land $62,298 Building $252,342

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 705 Old Oak Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2017

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 705 Old Oak Cir 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.

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 480 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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