708 Area St, McHenry, IL 60051 Property Records

McHenry County property record for 708 Area St, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,382 sqft · built 1975
Lot Size	0.96 acres (41,818 sqft)
Owner	Individual Name on File
Last Sale	$149,000 (Jan 1996)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-29-376-008`

Property Details

APN / Parcel Number

Primary APN	`15-29-376-008`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	4 Half Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,382 sqft Living Area
Gross Area	1,932 sqft

Exterior

Year Built	Built 1975
Construction Type	Frame
Foundation Type	Raised
Lot Area	41,818 sqft (0.96 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	708 AREA ST
City	MCHENRY
State	IL
Zip	60051-9703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 96R002035 N 329.34FT S 686.4FT W 126.7FT E 400.1FT SW1/4
Legal Range	09E
Legal Township	44N
Legal Section	29
Legal Block	376
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	3
Census Block	3003
Census Tract	870812

Owner

Source: McHenry County records · APN 15-29-376-008

Assessment roll updated January 1, 2022 · Last verified May 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 File
Mailing Address	708 AREA ST, MCHENRY, IL 60051-9703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 11, 1996 · Amount on Record
Deed Sale	Jan 11, 1996 · Amount on Record
Deed Document Number	96R-002035
Record Updated	Jun 07, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	708 AREA ST, MCHENRY, IL 60051-9703
Document Number	0000006032
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Mar 04, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	708 AREA ST MCHENRY IL 600519703, MCHENRY, IL 60051-9703

Mortgage

Document Number	0000006032
Date	Feb 19, 2020
Instrument	6032

Lender

Name	FELLOWSHIP HM LOANS
Address	MELVILLE, NY 11747

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2050

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

Source: McHenry County records · Assessment roll updated January 1, 2022 · Last verified May 2024

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Nunda Township
Unified School District	Wauconda Community Unit School District 118 (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$81,981 Land $19,485 Building $62,496	$245,943 Land $58,455 Building $187,488

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 28, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	32 (1979–2026)
Claims Outside the SFHA	2 of 32
Most Recent Claim	May 2026 · other causes
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 3 claims Severe Storms & Flooding, Sep 1993 · 11 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 124 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	AQUA ILLINOIS-NUNDA private · serves 485 people
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.