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Single Family ResidentialResidential
$431,081
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $350,000 on Jul 1, 2022

ND
0
Baths
0.94 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$431K
$402K low$460K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$350,000 · Jul 1, 2022
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$186,081
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$148,865
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.56%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$245,000
GATE CITY BANK · recorded Jul 1, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,659 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$176,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$22,750
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$153,750
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$172,450
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$353,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.164 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyMCHENRY
Lot (acres)The size of the land the home sits on, from county records.0.94
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Velva High SchoolB-
Middle · Grades 7–12 · 0.3 mi
E
Velva Elementary SchoolB+
Elementary · Grades PK–6 · 0.3 mi

District: Velva Public School District 1

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 96% of homes in McHenry County

How it measures up in McHenry County

The dot is this home. The mark in the middle is the typical home in McHenry County.

Estimated value$431,081
CheaperTypical $139,503Pricier

Pricier than 96% of homes nearby

Lot size0.94 ac
SmallerTypical 0.47 acBigger

Bigger than 60% of homes nearby

How ranks against every home in each area.
MeasureThis homeMcHenry County
Estimated valuepricier than$431,08196% of homes
Lot sizebigger than0.94 ac60% of homes

About

How much is , , ND worth?

The TopHap Estimate for , , ND is $431,081 as of Jul 14, 2026. The likely range is $401,773 to $460,389. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did , , ND last sell?

, , ND last sold on Jul 1, 2022 for $350,000, according to the county's recorded deed.

What schools serve , , ND?

, , ND is assigned to Velva High School (middle), rated B-; Velva Elementary School (elementary), rated B+. All sit in Velva Public School District 1. Attendance boundaries change — confirm with the district before relying on an assignment.

How does , , ND compare to other homes in McHenry County?

Among the 2,739 homes in McHenry County, it is worth more than 96% of them ($431,081 against a typical $139,503) and its lot is bigger than 60% of them (0.94 ac against a typical 0.47 ac). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on , , ND?

The 2025 property tax bill for , , ND was $3,659. The county assessed it at $176,500.

Closest homes

Assigned schools

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