1312 Spring Beach Way, Cary, IL 60013 Property Records

McHenry County property record for 1312 Spring Beach Way, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,652 sqft · built 1947
Lot Size	0.72 acres (31,375 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Mar 2018)
Tax Bill	$7,097 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-18-276-033`

Property Details

APN / Parcel Number

Primary APN	`20-18-276-033`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,652 sqft Living Area
1st Floor Area	1,026 sqft
Basement Area	1,137 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Cape Cod
Lot Area	31,375 sqft (0.72 acres)
Lot Dimensions	300 ft deep x 100 ft wide
Garage Type	Detached

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	1312 SPRING BEACH WAY
City	CARY
State	IL
Zip	60013-2931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2018R0009880 LTS 2 & 3 ALLEN & POWERS 2ND ADDN SPRING BEACH SUB
Legal Subdivision	ALLEN & POWERS 2ND ADDN
Legal Block	276
Legal Lot Number	2,3
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2004
Census Tract	871307

Owner

1312 Spring Beach Way is owned and occupied by two individuals who acquired it in April 2023.

Source: McHenry County records, as of March 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1312 SPRING BEACH WAY, CARY, IL 60013-2931
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 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 11, 2023	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 29, 2018	Trustee's Deed, Foreclosure · Conventional Mortgage LIFESTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2018 · Amount on File
Deed Sale	Mar 29, 2018 · Amount on File
Prior Sale	Apr 12, 2006 · Amount on File
Deed Document Number	20189880
Last Transfer Date	Apr 5, 2023
Transfer Doc	0000007942
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1312 SPRING BEACH WAY, CARY, IL 60013-2931
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030343
Date	Jun 3, 2021
Instrument	2021R0030343

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2051

April 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 11, 2023
Property Address	1312 SPRING BEACH WAY, CARY, IL 60013-2931
Document Number	0000007942
Map Reference	MB 5 PG 86
Instrument Date	Apr 5, 2023
Instrument	2023R0007942
Transaction Type	Transfer
Record Updated	Apr 21, 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
Relationship	Tenants in Common
Address	1312 SPRING BEACH WAY, CARY, IL 60013-2931

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 29, 2018
Property Address	1312 SPRING BEACH WAY, CARY, IL 60013-2931
Document Number	0000009880
Map Reference	MB5 PG86
Instrument Date	Mar 23, 2018
Instrument	2018R0009880
Transaction Type	Foreclosure
Record Updated	May 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15906 W SOUTH STREET RD, 15906, WOODSTOCK, IL 60098-8965

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 SPRING BEACH WAY, CARY, IL 60013-2931

Mortgage

Document Number	0000009881
Date	Mar 29, 2018
Instrument	2018R0009881

Lender

Name	LIFESTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

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
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	$7,097.00	$107,153 Land $25,363 Building $81,790	$321,459 Land $76,089 Building $245,370
2022	Homeowner's exemption	$81,820 Land $20,317 Building $61,503	$245,460 Land $60,951 Building $184,509

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 1312 Spring Beach Way 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	6 in force
Nearby Flood Claims	22 (1978–2017)
Claims Outside the SFHA	11 of 22
Most Recent Claim	Jul 2017 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 5 claims Severe Storms & Flooding, Sep 1986 · 3 claims

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 1312 Spring Beach Way 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 219 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 Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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