McHenry County property record for 968 Sutherland Dr, Crystal Lake, IL 60014
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,993 sqft · built 1994 |
| Lot Size | 0.07 acres (3,079 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $252,000 (Dec 2005) |
| Deeds & Mortgages | Nov 2017 Reverse Mortgage Aug 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-07-454-023 |
| Primary APN | 19-07-454-023 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,993 sqft |
| Gross Area | 3,028 sqft |
| 1st Floor Area | 1,045 sqft |
| 2nd Floor Area | 948 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Ribbed Aluminum |
| Lot Area | 3,079 sqft (0.07 acres) |
| Lot Dimensions | 102 ft deep x 30 ft wide |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 968 SUTHERLAND DR |
|---|---|
| City | CRYSTAL LAKE |
| State | IL |
| Zip | 60014-8449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2017R0030125 LT 40 FOUR COLONIES 1ST ADDN UNIT 4 MEMO: SHAFFER, JERRY A/ DARLENE A JNT TEN TR |
| Legal Range | 08E |
| Legal Township | 43N |
| Legal Section | 07 |
| Legal Subdivision | FOUR COLONIES 1ST ADD |
| Legal Block | 454 |
| Legal Lot Number | 40 |
| Legal Unit | 4 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 871201 |
Source: McHenry County records, as of May 13, 2024
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 968 SUTHERLAND DR, CRYSTAL LAKE, IL 60014-8449 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 22, 2017 | Deed of Trust, Mortgage · Reverse Mortgage HOME STATE BANK |
| Aug 24, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Aug 15, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2005 · Amount on Record |
| Deed Sale | Dec 2, 2005 · Amount on Record |
| Prior Sale | Aug 16, 2007 |
| Deed Document Number | 0000101829 |
| Last Transfer Date | Aug 15, 2017 |
| Transfer Doc | 0000030125 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 968 SUTHERLAND DR, CRYSTAL LAKE, IL 60014-8449 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000043437 |
|---|---|
| Date | Nov 22, 2017 |
| Instrument | 2017R0043437 |
| Name | HOME STATE BANK |
|---|---|
| Type | Bank |
| Address | CRYSTAL LAKE, IL 60014 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 968 SUTHERLAND DR, CRYSTAL LAKE, IL 60014-8449 |
| Document Number | 0000043438 |
| Instrument Date | Aug 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 968 SUTHERLAND DR CRYSTAL LAKE IL 600148449, CRYSTAL LAKE, IL 60014-8449 |
| Document Number | 0000043438 |
|---|---|
| Date | Nov 22, 2017 |
| Instrument | 43438 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 864 Months |
| Due | Nov 21, 2089 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.47% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Aug 15, 2017 |
| Property Address | 968 SUTHERLAND DR, CRYSTAL LAKE, IL 60014-8449 |
| Document Number | 0000030125 |
| Instrument Date | Aug 11, 2017 |
| Instrument | 30125 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 968 SUTHERLAND DR CRYSTAL LAKE IL 600148449, CRYSTAL LAKE, IL 60014-8449 |
Source: McHenry County assessment roll, as of January 1, 2022
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Disabled Person's exemption Veteran's exemption | $77,936 Land $15,834 Building $62,102 | $233,808 Land $47,502 Building $186,306 |
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.
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 | 4 in force |
| Nearby Flood Claims | 8 (1982–2017) |
| Claims Outside the SFHA | 3 of 8 |
| Most Recent Claim | Jul 2017 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 79% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 207 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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