714 S Emerald Dr, McHenry, IL 60051 Property Records

McHenry County property record for 714 S Emerald Dr, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,220 sqft · built 1977
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$189,000 (Jun 2020)
Deeds & Mortgages	May 2022 Line of Credit Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-01-328-009`

Property Details

APN / Parcel Number

Primary APN	`14-01-328-009`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	1,220 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Architectural Style	Raised Ranch
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	714 S EMERALD DR
City	MCHENRY
State	IL
Zip	60051-9356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0019766 LT 10 HICKORY PARK MEMO: DERAIMO, JAMILYNNE CHRISTINE/JAMIE LEE
Legal Range	08E
Legal Township	44N
Legal Section	01
Legal Subdivision	HICKORY PARK
Legal Block	328
Legal Lot Number	10
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	1
Census Block	1037
Census Tract	870811

Owner

714 S Emerald Dr is owned by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	714 S EMERALD DR, MCHENRY, IL 60051-9356
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
May 3, 2022	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Jun 4, 2020	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2020 · Amount on File
Deed Sale	Jun 4, 2020 · Amount on File
Deed Document Number	2020R0019766
Record Updated	Jun 7, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	714 S EMERALD DR, MCHENRY, IL 60051-9356
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	714 S EMERALD DR, MCHENRY, IL 60051-9356

Mortgage

Document Number	0000016139
Date	May 3, 2022
Instrument	2022R0016139

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 2, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 4, 2020
Property Address	714 S EMERALD DR, MCHENRY, IL 60051-9356
Document Number	0000019766
Instrument Date	May 28, 2020
Instrument	19766
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$284.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	709 HOUSTON DR CARPENTERSVILLE IL 601101517, CARPENTERSVILLE, IL 60110-1517

Mortgage

Document Number	19767
Date	Jun 4, 2020
Instrument	19767

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2050

Interest

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
Elementary School District	McHenry Community Consolidated School District 15 (PK - 08)
Secondary School District	McHenry Community High School District 156 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$93,393 Land $17,206 Building $76,187	$280,179 Land $51,618 Building $228,561

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 714 S Emerald Dr in Zone X, an area of minimal flood risk, though there have been 53 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	53 (1978–2026)
Claims Outside the SFHA	4 of 53
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 9 claims Severe Storms & Flooding, Jun 1993 · 10 claims

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 714 S Emerald Dr is low, with 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 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 283 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
AT&T DSL	100 / 20

May also be available: Verizon.

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