169 Rainbow Ln, Trout Valley (Cary), IL 60013 Property Records

McHenry County property record for 169 Rainbow Ln, Trout Valley, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,630 sqft · built 1969
Lot Size	0.631 acres (27,523 sqft)
Owner	Individual Name on File
Last Sale	$379,000 (Feb 2023)
Deeds & Mortgages	Jan 2024 Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-13-304-004`

Property Details

APN / Parcel Number

Primary APN	`19-13-304-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,630 sqft
1st Floor Area	1,226 sqft
2nd Floor Area	1,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Architectural Style	Colonial
Exterior Material	Brick/Wood
Lot Area	27,523 sqft (0.631 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	169 RAINBOW LN
City	TROUT VALLEY
State	IL
Zip	60013-2440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2023R0003023 LT 169 TROUT VALLEY DIVISION C
Legal Range	08E
Legal Township	43N
Legal Section	13
Legal Subdivision	TROUT VALLEY DIVISION
Legal Block	304
Legal Lot Number	169
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4000
Census Tract	871600

Owner

169 Rainbow Ln is owned and occupied by an individual who bought it in February 2023.

Source: McHenry County records, as of May 13, 2024

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	169 RAINBOW LN, TROUT VALLEY, IL 60013-2440
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
Jan 10, 2024	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Feb 9, 2023	Warranty Deed, Transfer · FHA Mortgage BAY EQUITY LLC
Aug 2, 2017	Intrafamily Transfer, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2023 · Amount on File
Deed Sale	Feb 9, 2023 · Amount on File
Prior Sale	Aug 2, 2017
Deed Document Number	2023R0003023
Record Updated	Jun 7, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	169 RAINBOW LN, TROUT VALLEY, IL 60013-2440
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 RAINBOW LN, TROUT VALLEY, IL 60013-2440

Mortgage

Document Number	0000000766
Date	Jan 10, 2024
Instrument	2024R0000766

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Feb 9, 2023
Property Address	169 RAINBOW LN, TROUT VALLEY, IL 60013-2440
Document Number	0000003023
Map Reference	MB 12 PG 41
Instrument Date	Jan 24, 2023
Instrument	2023R0003023
Transaction Type	Transfer
Record Updated	Feb 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$379.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	169 RAINBOW LN, TROUT VALLEY, IL 60013-2440

Mortgage

Document Number	0000003024
Date	Feb 9, 2023
Instrument	2023R0003024

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.25%

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Aug 2, 2017
Property Address	169 RAINBOW LN, TROUT VALLEY, IL 60013-2440
Document Number	0000028657
Map Reference	MB12 PG41
Instrument Date	Jul 24, 2017
Instrument	2017R0028657
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 RAIBOW LN, MCHENRY, IL 00000

Mortgage

Document Number	0000028658
Date	Aug 2, 2017
Instrument	2017R0028658

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	8.37%

Mortgage

Document Number	0000028659
Date	Aug 2, 2017
Instrument	2017R0028659

Lender

Name	US BANK NA
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 24, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.34%
Change Frequency	Monthly

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
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
2022	Homeowner's exemption	$142,615 Land $29,113 Building $113,502	$427,845 Land $87,339 Building $340,506

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 169 Rainbow Ln in Zone X, an area of minimal flood risk, though there have been 4 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
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	4 (1979–1987)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 1987 · alluvial fan flooding

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 169 Rainbow Ln 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 95% of the US · lower than 70% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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