7202 Lone Oak Rd, Spring Grove, IL 60081 Property Records

McHenry County property record for 7202 Lone Oak Rd, Spring Grove, IL 60081

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,462 sqft · built 1994
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Nov 2020)
Tax Bill	$10,375 (2024)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Aug 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`04-25-378-001`

Property Details

APN / Parcel Number

Primary APN	`04-25-378-001`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,462 sqft Living Area
Gross Area	3,142 sqft
1st Floor Area	2,462 sqft
Basement Area	2,462 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Contemporary
Exterior Material	Brick
Construction Type	Frame
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	260 ft deep x 170 ft wide
Garage Type	Attached
Garage Area	680 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	7202 LONE OAK RD
City	SPRING GROVE
State	IL
Zip	60081-8115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0046631 LT 24 SPRING OAKS SUB
Legal Subdivision	SPRING OAKS SUB
Legal Block	378
Legal Lot Number	24
Jurisdiction	MCHENRY IL
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2038
Census Tract	870105

Owner

7202 Lone Oak Rd is owned and occupied by two individuals who bought it in November 2020.

Source: McHenry County records, as of June 30, 2025

Owner of Record	2 Individual Names on File
Mailing Address	7202 LONE OAK RD, SPRING GROVE, IL 60081-8115
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

Date	Document
Nov 4, 2020	Grant Deed, Transfer · Conventional with PMI PROPER RATE LLC
Aug 14, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2020 · Amount on File
Deed Sale	Nov 4, 2020 · Amount on File
Prior Sale	Jul 15, 2004 · Amount on File
Deed Document Number	202046631
Prior Transfer Date	Nov 5, 1994
Prior Transfer Doc	0095021618
Record Updated	Oct 29, 2026

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 4, 2020
Property Address	7202 LONE OAK RD, SPRING GROVE, IL 60081-8115
Document Number	0000046631
Instrument Date	Sep 30, 2020
Instrument	46631
Transaction Type	Transfer
Record Updated	Nov 25, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$585.00
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	7202 LONE OAK RD SPRING GROVE IL 600818115, SPRING GROVE, IL 60081-8115

Mortgage

Document Number	46632
Date	Nov 4, 2020
Instrument	46632

Lender

Name	PROPER RATE LLC
Address	CHICAGO, IL 60613

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.87%

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 14, 2017
Property Address	7202 LONE OAK RD, SPRING GROVE, IL 60081-8115
Document Number	0000029917
Instrument Date	Aug 4, 2017
Instrument	29917
Transaction Type	Transfer
Record Updated	Nov 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	7202 LONE OAK RD SPRING GROVE IL 600818115, SPRING GROVE, IL 60081-8115

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Richmond Township
Municipality	Spring Grove Village
Elementary School District	Nippersink School District 2 (KG - 08)
Secondary School District	Richmond-Burton Community High School District 157 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$10,375.00	$143,655 Land $30,214 Building $113,441	$430,965 Land $90,642 Building $340,323
2022	Homeowner's exemption	$118,245 Land $24,869 Building $93,376	$354,735 Land $74,607 Building $280,128

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 7202 Lone Oak Rd 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	6 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 7202 Lone Oak Rd 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 65% 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	IL AMERICAN-WHISPERING HILLS private · serves 8,300 people · EPA ID IL1115700
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	59 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lone Oak Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures