822 N River Rd, McHenry, IL 60051 Property Records

McHenry County property record for 822 N River Rd, McHenry, IL 60051

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 900 sqft · built 1955
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$123,500 (May 2017)
Tax Bill	$4,323 (2024)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-36-107-007`

Property Details

APN / Parcel Number

Primary APN	`09-36-107-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
1st Floor Area	900 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	A-Frame
Exterior Material	Brick
Construction Type	Frame
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	70 ft deep x 430 ft wide
Garage Area	352 sqft
Parking Spaces	1 Parking Space

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	822 N RIVER RD
City	MCHENRY
State	IL
Zip	60051-5853
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2017R0016150 PT SE PT LT 44 SUNNYSIDE SUB
Legal Subdivision	SUNNYSIDE SUB
Legal Block	107
Legal Lot Number	44
Jurisdiction	MCHENRY IL
Township / Civil Division	MCHENRY
Census Block Group	3
Census Block	3023
Census Tract	870702

Owner

822 N River Rd is owned and occupied by an individual who bought it in May 2017.

Source: McHenry County records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	822 N RIVER RD, MCHENRY, IL 60051-5853
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 16, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 5, 2017	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2017 · Amount on File
Deed Sale	May 5, 2017 · Amount on File
Prior Sale	Aug 16, 2002 · Amount on File
Deed Document Number	201716150
Prior Transfer Date	Sep 15, 1994
Prior Transfer Doc	0094055925
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Recording Date	Jun 16, 2026
Property Address	822 N RIVER RD, MCHENRY, IL 60051-5853
Document Number	0000016866
Instrument Date	Jun 8, 2026
Instrument	202616866
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 N RIVER RD, MCHENRY, IL 60051-5853

Mortgage

Document Number	0000016866,
Date	Jun 16, 2026
Instrument	202616866

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2056

Interest

Rate	6.37%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	822 N RIVER RD, MCHENRY, IL 60051-5853
Transaction Type	Mortgage
Record Updated	Sep 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047560
Date	Aug 30, 2021
Instrument	2021R0047560

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	May 5, 2017
Property Address	822 N RIVER RD, MCHENRY, IL 60051-5853
Document Number	0000016150
Map Reference	DOC13880 MB3 PG34
Instrument Date	May 3, 2017
Instrument	2017R0016150
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.25
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1563 N WINSLOWE DR APT 3A, 3A, PALATINE, IL 60074-2954

Mortgage

Document Number	0000016149
Date	May 5, 2017
Instrument	2017R0016149

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	McHenry 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
2024	$4,323.00	$62,056 Land $14,583 Building $47,473	$186,168 Land $43,749 Building $142,419
2022	Homeowner's exemption	$51,578 Land $12,121 Building $39,457	$154,734 Land $36,363 Building $118,371

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 822 N River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1986–1996)
Most Recent Claim	Jul 1996 · river or lake flooding

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 822 N River 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025

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

May also be available: i3 Broadband.

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