820 Old Oak Cir, Algonquin, IL 60102 Property Records

McHenry County property record for 820 Old Oak Cir, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,078 sqft · built 1990
Lot Size	0.237 acres (10,313 sqft)
Owner	2 Individual Names on Record
Last Sale	$309,000 (Aug 2021)
Tax Bill	$8,693 (2024)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-34-229-077`

Property Details

APN / Parcel Number

Primary APN	`19-34-229-077`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,078 sqft Living Area
1st Floor Area	1,053 sqft
Basement Area	1,053 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Lot Area	10,313 sqft (0.237 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	820 OLD OAK CIR
City	ALGONQUIN
State	IL
Zip	60102-3190
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0044121 LT 110 OLD OAK TERRACE UNIT 1
Legal Subdivision	OLD OAK TERRACE
Legal Block	229
Legal Lot Number	110
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1005
Census Tract	871404

Owner

Source: McHenry County records, as of June 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	820 OLD OAK CIR, ALGONQUIN, IL 60102-3190
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 12, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Aug 8, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2021 · Amount on Record
Deed Sale	Aug 12, 2021 · Amount on Record
Prior Sale	Dec 26, 2014 · Amount on Record
Deed Document Number	202144121
Prior Transfer Date	Jul 25, 2018
Prior Transfer Doc	0000027147
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	820 OLD OAK CIR, ALGONQUIN, IL 60102-3190
Transaction Type	Mortgage
Record Updated	Oct 14, 2025
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 OLD OAK CIR, ALGONQUIN, IL 60102-3190

Mortgage

Document Number	0000026884
Date	Sep 30, 2025
Instrument	2025R0026884

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.99%
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 12, 2021
Property Address	820 OLD OAK CIR, ALGONQUIN, IL 60102-3190
Document Number	0000044121
Map Reference	DOC 88R32041
Instrument Date	May 7, 2021
Instrument	2021R0044121
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	GIT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$309.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	820 OLD OAK CIR, 820, ALGONQUIN, IL 60102-3190

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	820 OLD OAK CIR, ALGONQUIN, IL 60102-3190

Mortgage

Document Number	0000044122
Date	Aug 12, 2021
Instrument	2021R0044122

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jun 1, 2051

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 8, 2018
Property Address	820 OLD OAK CIR, ALGONQUIN, IL 60102-3190
Document Number	0000027147
Instrument Date	Jul 25, 2018
Instrument	27147
Transaction Type	Transfer
Record Updated	Aug 24, 2018
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
Address	820 OLD OAK CIR ALGONQUIN IL 601023190, ALGONQUIN, IL 60102-3190

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

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
2024	$8,693.00	$119,126 (+30.66%) Land $27,120 Building $92,006	$357,378 (+30.66%) Land $81,360 Building $276,018
2022	Homeowner's exemption	$91,170 Land $20,766 Building $70,404	$273,510 Land $62,298 Building $211,212

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

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

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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