784 Covington Cir, Crystal Lake, IL 60014 Property Records

McHenry County property record for 784 Covington Cir, Crystal Lake, IL 60014

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,282 sqft · built 1989
Lot Size	0.261 acres (11,375 sqft)
Owner	Individual Name on File
Last Sale	$257,000 (Feb 2006)
Deeds & Mortgages	Jun 2022 Line of Credit Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-18-126-005`

Property Details

APN / Parcel Number

Primary APN	`19-18-126-005`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,282 sqft
Gross Area	3,276 sqft
1st Floor Area	1,106 sqft
2nd Floor Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Colonial
Exterior Material	Ribbed Aluminum
Lot Area	11,375 sqft (0.261 acres)
Lot Dimensions	163 ft deep x 72 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	784 COVINGTON CIR
City	CRYSTAL LAKE
State	IL
Zip	60014-8580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2006R0008894 LT 44 FOUR COLONIES UNIT 12
Legal Range	08E
Legal Township	43N
Legal Section	18
Legal Subdivision	FOUR COLONIES 12
Legal Block	126
Legal Lot Number	44
Legal Unit	12
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4022
Census Tract	871201

Owner

784 Covington Cir is owned and occupied by an individual who bought it in February 2006.

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

Owner of Record	Individual Name on File
Mailing Address	784 COVINGTON CIR, CRYSTAL LAKE, IL 60014-8580
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
Jun 6, 2022	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Dec 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERITRUST MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2006 · Amount on File
Deed Sale	Feb 7, 2006 · Amount on File
Prior Sale	Apr 19, 2005
Deed Document Number	2006R0008894
Record Updated	Jun 7, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	784 COVINGTON CIR, CRYSTAL LAKE, IL 60014-8580
Transaction Type	Mortgage
Record Updated	Jun 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	784 COVINGTON CIR, CRYSTAL LAKE, IL 60014-8580

Mortgage

Document Number	0000020116
Date	Jun 6, 2022
Instrument	2022R0020116

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	Jun 2, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	784 COVINGTON CIR, CRYSTAL LAKE, IL 60014-8580
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044743
Date	Dec 4, 2017
Instrument	2017R0044743

Lender

Name	AMERITRUST MORTGAGE CORP
Type	Mortgage Company
Address	CRYSTAL LAKE, IL 60014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Algonquin 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	$95,528 Land $24,841 Building $70,687	$286,584 Land $74,523 Building $212,061

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 784 Covington Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 28, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 784 Covington Cir has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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 432 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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