973 Old Oak Cir, Algonquin, IL 60102 Property Records

McHenry County property record for 973 Old Oak Cir, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,474 sqft · built 1989
Lot Size	0.41 acres (1,800 sqft)
Owner	Individual Name on File
Last Sale	$282,000 (Jul 2024)
Tax Bill	$5,154 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-34-280-004`

Property Details

APN / Parcel Number

Primary APN	`19-34-280-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,474 sqft Living Area
1st Floor Area	656 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	1,800 sqft (0.41 acres)
Lot Dimensions	60 ft deep x 30 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	973 OLD OAK CIR
City	ALGONQUIN
State	IL
Zip	60102-3196
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2024R0017714 LT 9 OLD OAK TERRACE UNIT 1
Legal Subdivision	OLD OAK TERRACE
Legal Block	280
Legal Lot Number	9
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1004
Census Tract	871404

Owner

973 Old Oak Cir is owned by an individual who bought it in July 2024.

Source: McHenry County records, as of October 1, 2026

Owner of Record	Individual Name on File
Mailing Address	3731 BUNKER HILL DR, ALGONQUIN, IL 60102-6379
Owner Type	Individual
Vesting	Married Man, Separate Property

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 17, 2021	Quit Claim Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 18, 2020	Warranty Deed, Transfer · FHA Mortgage BJV FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2024 · Amount on File
Deed Sale	Jul 16, 2024 · Amount on File
Prior Sale	Sep 18, 2020 · Amount on File
Deed Document Number	202417714
Prior Transfer Date	Oct 25, 2021
Prior Transfer Doc	0000062200
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 17, 2021
Property Address	973 OLD OAK CIR, ALGONQUIN, IL 60102-3196
Document Number	0000062200
Map Reference	DOC 88R32041
Instrument Date	Oct 25, 2021
Instrument	2021R0062200
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	973 OLD OAK CIR, ALGONQUIN, IL 60102-3196

Mortgage

Document Number	0000062201
Date	Nov 17, 2021
Instrument	2021R0062201

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 18, 2020
Property Address	973 OLD OAK CIR, ALGONQUIN, IL 60102-3196
Document Number	0000037917
Map Reference	DOC 88R32041
Instrument Date	Jul 31, 2020
Instrument	2020R0037917
Transaction Type	Transfer
Record Updated	May 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$203.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	973 OLD OAK CIR, ALGONQUIN, IL 60102-3196

Mortgage

Document Number	0000037918
Date	Sep 18, 2020
Instrument	2020R0037918

Lender

Name	BJV FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Interest

Rate	3.12%

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	$5,154.00	$73,893 Land $15,486 Building $58,407	$221,679 Land $46,458 Building $175,221
2022	Homeowner's exemption	$57,121 Land $8,282 Building $48,839	$171,363 Land $24,846 Building $146,517

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 973 Old Oak Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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

The area around 973 Old Oak 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	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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