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1418 Spring Beach Way, Cary, IL 60013 Property Records

McHenry County property record for 1418 Spring Beach Way, Cary, IL 60013

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,400 sqft · built 1952
Lot Size0.5 acres (21,768 sqft)
OwnerIndividual Name on File
Last Sale$175,000 (Oct 2009)
Tax Bill$6,285 (2024)
Deeds & MortgagesJun 2026 Mortgage
Aug 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN20-18-251-009

Property Details

APN / Parcel Number

Primary APN20-18-251-009

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,400 sqft Living Area
1st Floor Area896 sqft
Basement Area896 sqft

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1952
Architectural StyleCape Cod
Lot Area21,768 sqft (0.5 acres)

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address1418 SPRING BEACH WAY
CityCARY
StateIL
Zip60013-2933
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 2009R0052661 .50A E PT W 2A LT 80 SPRING BEACH SUB
Legal SubdivisionSPRING BEACH SUB
Legal Block251
Legal Lot Number80
JurisdictionMCHENRY IL
Township / Civil DivisionALGONQUIN
Census Block Group2
Census Block2004
Census Tract871307

Owner

1418 Spring Beach Way is owned and occupied by an individual who bought it in October 2009.

Source: McHenry County records, as of July 10, 2026

Owner of RecordIndividual Name on File
Mailing Address1418 SPRING BEACH WAY, CARY, IL 60013-2933
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jun 29, 2026Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE
Aug 15, 2022Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 16, 2009 · Amount on File
Deed SaleOct 16, 2009 · Amount on File
Deed Document Number200952661
Prior Transfer DateJul 22, 1998
Prior Transfer Doc0000049053
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Recording DateJun 29, 2026
Property Address1418 SPRING BEACH WAY, CARY, IL 60013-2933
Document Number0000018417
Instrument DateJun 20, 2026
Instrument202618417
Transaction TypeMortgage
Record UpdatedJul 10, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000018417,
DateJun 29, 2026
Instrument202618417
Lender
NameGUARANTEED RATE
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJul 1, 2056
Interest
Rate TypeFixed Rate
Rate6.33%
Initial TypeFixed Rate
Max Rate-1%

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Property Address1418 SPRING BEACH WAY, CARY, IL 60013-2933
Transaction TypeMortgage
Record UpdatedAug 25, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000028601
DateAug 15, 2022
Instrument2022R0028601
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2052
Interest
Rate TypeAdjustable Rate
Rate5.87%
Type Change DateSep 1, 2032
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change10.8%
IndexOther
Max Rate10.8%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyMcHenry County
County SubdivisionAlgonquin Township
Elementary School DistrictCary Community Consolidated School District 26 (PK - 08)
Secondary School DistrictCommunity High School District 155 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$6,285.00$94,045 Land $22,246 Building $71,799$282,135 Land $66,738 Building $215,397
2022Homeowner's exemption$64,544 Land $21,992 Building $42,552$193,632 Land $65,976 Building $127,656

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 1418 Spring Beach Way in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective February 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies6 in force
Nearby Flood Claims22 (1978–2017)
Claims Outside the SFHA11 of 22
Most Recent ClaimJul 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 1418 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 RiskLow
lower than 98% of the US · lower than 86% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 338 locations within half a mile, as of December 31, 2025

ProviderMax 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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