1409 E Main St Rd, Cary, IL 60013 Property Records

McHenry County property record for 1409 E Main St Rd, Cary, IL 60013

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 2,566 sqft · built 1960
Lot Size	1.63 acres (71,003 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Apr 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-18-251-022`

Property Details

APN / Parcel Number

Primary APN	`20-18-251-022`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,566 sqft
Gross Area	3,238 sqft
1st Floor Area	1,842 sqft

Exterior

Year Built	Built 1960
Architectural Style	Ranch
Exterior Material	Frame Siding
Lot Area	71,003 sqft (1.63 acres)
Lot Depth	250 ft Depth

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	1409 E MAIN STREET RD
City	CARY
State	IL
Zip	60013-2905
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DOC 2020R0010662 PT SW1/4 NE1/4 /EX DOCS 95R014199 & 95R014198/
Legal Range	09E
Legal Township	43N
Legal Section	18
Legal Block	251
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2006
Census Tract	871307

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1409 E MAIN STREET RD, CARY, IL 60013-2905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Mar 26, 2020	Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Jun 13, 2018	Deed of Trust, Mortgage · Line of Credit CRYSTAL LAKE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2020
Deed Sale	Mar 26, 2020
Deed Document Number	0000010662
Record Updated	Jun 7, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1409 E MAIN STREET RD, CARY, IL 60013-2905
Transaction Type	Mortgage
Record Updated	Apr 16, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019005
Date	Apr 7, 2021
Instrument	2021R0019005

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 26, 2020
Property Address	1409 E MAIN STREET RD, CARY, IL 60013-2905
Document Number	0000010662
Instrument Date	Mar 10, 2020
Instrument	2020R0010662
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	CT

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1409 E MAIN STREET RD, CARY, IL 60013-2905

Mortgage

Document Number	0000010663
Date	Mar 26, 2020
Instrument	2020R0010663

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.99%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1409 E MAIN STREET RD, CARY, IL 60013-2905
Document Number	0000020468
Instrument Date	Jun 13, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1409 E MAIN STREET RD CARY IL 600132905, CARY, IL 60013-2905

Mortgage

Document Number	0000020468
Date	Jun 20, 2018
Instrument	20468

Lender

Name	CRYSTAL LAKE BK&TR
Type	Bank
Address	CRYSTAL LAKE, IL 60014

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.75%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2022

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
2022	Homeowner's exemption Additional exemption filed	$152,121 Land $21,120 Building $131,001	$456,363 Land $63,360 Building $393,003

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	FOX RIVER GROVE serves 4,702 people · EPA ID IL1110200
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2020
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 338 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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