1609 3 Oaks Rd, Cary, IL 60013 Property Records

McHenry County property record for 1609 3 Oaks Rd, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 3,220 sqft
Lot Size	0.88 acres (38,333 sqft)
Owner	Individual Name on File
Last Sale	$299,000 (Jan 1999)
Tax Bill	$9,461 (2024)
Deeds & Mortgages	Feb 2023 Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-07-326-012`

Property Details

APN / Parcel Number

Primary APN	`20-07-326-012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,220 sqft Living Area
1st Floor Area	1,444 sqft
Basement Area	866 sqft

Exterior

Architectural Style	Colonial
Lot Area	38,333 sqft (0.88 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1609 3 OAKS RD
City	CARY
State	IL
Zip	60013-1636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2023R0003313 PT N1/2 GOV LT 1 SW1/4 PC 160FT X 200FT
Legal Block	326
Legal Lot Number	1
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1011
Census Tract	871307

Owner

1609 3 Oaks Rd is owned and occupied by an individual who acquired it in February 2023.

Source: McHenry County records, as of June 2, 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	Individual Name on File
Mailing Address	1609 3 OAKS RD, CARY, IL 60013-1636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage THIRD FSLA OF CLEVELAND
Dec 3, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND
Sep 15, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 1999 · Amount on File
Deed Sale	Jan 21, 1999 · Amount on File
Prior Sale	Jan 21, 1999 · Amount on File
Deed Document Number	19995576
Last Transfer Date	Feb 7, 2023
Transfer Doc	0000003313
Record Updated	Sep 20, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Feb 14, 2023
Property Address	1609 3 OAKS RD, CARY, IL 60013-1636
Document Number	0000003313
Instrument Date	Feb 7, 2023
Instrument	2023R0003313
Transaction Type	Transfer
Record Updated	Feb 28, 2023
Title Company	SERVICELINK

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	1609 3 OAKS RD, CARY, IL 60013-1636

Mortgage

Document Number	0000003314
Date	Feb 14, 2023
Instrument	2023R0003314

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2033

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1609 3 OAKS RD, CARY, IL 60013-1636
Document Number	0000042830
Instrument Date	Dec 3, 2019
Transaction Type	Mortgage
Record Updated	Jan 3, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1609 3 OAKS RD CARY IL 600131636, CARY, IL 60013-1636

Mortgage

Document Number	0000042830
Date	Dec 13, 2019
Instrument	42830

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2049

Interest

Rate Type	Adjustable Rate

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 15, 2020
Property Address	1609 3 OAKS RD, CARY, IL 60013-1636
Document Number	0000037219
Instrument Date	Jan 6, 2019
Instrument	37219
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1609 3 OAKS RD CARY IL 600131636, CARY, IL 60013-1636

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	Cary 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	$9,461.00	$120,347 Land $29,686 Building $90,661	$361,041 Land $89,058 Building $271,983
2022		$98,556 Land $21,389 Building $77,167	$295,668 Land $64,167 Building $231,501

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 1609 3 Oaks Rd in Zone X, an area of minimal flood risk.

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	4 in force

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

The area around 1609 3 Oaks Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	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 342 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 · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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