10 River Dr, Trout Valley (Cary), IL 60013 Property Records

McHenry County property record for 10 River Dr, Trout Valley, IL 60013

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,810 sqft · built 1967
Lot Size	0.796 acres (34,658 sqft)
Owner	2 Individual Names on File
Last Sale	$799,000 (Oct 2026)
Tax Bill	$15,705 (2024)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jul 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-13-376-003`

Property Details

APN / Parcel Number

Primary APN	`19-13-376-003`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	4,810 sqft Living Area
1st Floor Area	2,500 sqft
Basement Area	2,310 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Brick/Wood
Lot Area	34,658 sqft (0.796 acres)
Garage Type	Attached

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	10 RIVER DR
City	TROUT VALLEY
State	IL
Zip	60013-2451
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2023R0015901 S PT LT 9 & ALL LT 10 TROUT VALLEY DIVISION D MEMO: BURT, PETER J TR - 1/2 INT/ BURT, NANCY M TR - 1/2 INT
Legal Subdivision	TROUT VALLEY DIVISION
Legal Block	376
Legal Lot Number	9,10
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2008
Census Tract	871600

Owner

10 River Dr is owned and occupied by two individuals who bought it in October 2026.

Source: McHenry County records, as of October 22, 2026

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 Individual Names on File
Mailing Address	10 RIVER DR, TROUT VALLEY, IL 60013-2451
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Deed, Transfer · Conventional Mortgage SOCIETY MORTGAGE
Jul 3, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 3, 2017	Warranty Deed, Transfer · Conventional Mortgage OLD SECOND NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2026 · Amount on File
Deed Sale	Oct 7, 2026 · Amount on File
Prior Sale	Nov 3, 2017 · Amount on File
Deed Document Number	202629492
Prior Transfer Date	Aug 13, 2013
Prior Transfer Doc	0000045105
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Oct 7, 2026
Property Address	10 RIVER DR, TROUT VALLEY, IL 60013-2451
Document Number	0000029492
Instrument Date	Sep 30, 2026
Instrument	202629492
Transaction Type	Transfer
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121,048.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10 RIVER DR, TROUT VALLEY, IL 60013-2451

Mortgage

Document Number	0000029493,
Date	Oct 7, 2026
Instrument	202629493

Lender

Name	SOCIETY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.25%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Jul 3, 2023
Property Address	10 RIVER DR, TROUT VALLEY, IL 60013-2451
Document Number	0000015901
Map Reference	DOC 311055
Instrument Date	Jun 12, 2023
Instrument	2023R0015901
Transaction Type	Transfer
Record Updated	Jul 14, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 RIVER DR, TROUT VALLEY, IL 60013-2451

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 3, 2017
Property Address	10 RIVER DR, TROUT VALLEY, IL 60013-2451
Document Number	0000041111
Instrument Date	Oct 25, 2017
Instrument	2017R0041111
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1400 WESTCHESTER RD, 1400, BUFFALO GROVE, IL 60089-6880

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10 RIVER DR, TROUT VALLEY, IL 60013-2451

Mortgage

Document Number	0000041112
Date	Nov 3, 2017
Instrument	2017R0041112

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Algonquin Township
Municipality	Trout Valley Village
Elementary School District	Cary Community Consolidated School District 26 (PK - 08)
Secondary School District	Community High School District 155 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$15,705.00	$204,470 Land $27,827 Building $176,643	$613,410 Land $83,481 Building $529,929
2022	Homeowner's exemption	$137,480 Land $31,561 Building $105,919	$412,440 Land $94,683 Building $317,757

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 10 River Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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	3 in force
Nearby Flood Claims	6 (1979–2022)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Feb 2022 · other causes

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 10 River Dr 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CARY serves 17,826 people · EPA ID IL1110100
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 156 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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