173 Stonegate Rd, Trout Valley (Cary), IL 60013 Property Records

McHenry County property record for 173 Stonegate Rd, Trout Valley, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,493 sqft · built 1959
Lot Size	0.447 acres (19,478 sqft)
Owner	2 Individual Names on File
Last Sale	$205,897 (May 2019)
Deeds & Mortgages	May 2021 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-13-304-009`

Property Details

APN / Parcel Number

Primary APN	`19-13-304-009`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,493 sqft
Gross Area	2,952 sqft
1st Floor Area	1,493 sqft

Exterior

Year Built	Built 1959
Architectural Style	Ranch
Exterior Material	Frame Siding
Lot Area	19,478 sqft (0.447 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	173 STONEGATE RD
City	TROUT VALLEY
State	IL
Zip	60013-2443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0014116 LT 173 TROUT VALLEY DIVISION C MEMO: GUZYUK, VLADYSLAV/ MAKHNYUK, OLENA
Legal Range	08E
Legal Township	43N
Legal Section	13
Legal Subdivision	TROUT VALLEY DIVISION
Legal Block	304
Legal Lot Number	173
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4000
Census Tract	871600

Owner

173 Stonegate Rd is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	173 STONEGATE RD, TROUT VALLEY, IL 60013-2443
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
May 4, 2021	Deed of Trust, Mortgage · Line of Credit EVERGREEN BANK GROUP
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEY MORTGAGE SERVICES INC
May 20, 2019	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE
Apr 3, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on File
Deed Sale	May 20, 2019 · Amount on File
Prior Sale	Apr 3, 2017
Deed Document Number	2019R0014116
Record Updated	Jun 7, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	173 STONEGATE RD, TROUT VALLEY, IL 60013-2443
Transaction Type	Mortgage
Record Updated	May 14, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024400
Date	May 4, 2021
Instrument	2021R0024400

Lender

Name	EVERGREEN BANK GROUP
Type	Bank
Address	OAK BROOK, IL 60523

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	238 Months
Due	Mar 30, 2041

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	173 STONEGATE RD, TROUT VALLEY, IL 60013-2443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BAIRD & WARNER TTL SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056974
Date	Dec 23, 2020
Instrument	2020R0056974

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company
Address	SCHAUMBURG, IL 60173

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.75%

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCHENRY IL
Recording Date	May 20, 2019
Property Address	173 STONEGATE RD, TROUT VALLEY, IL 60013-2443
Document Number	0000014116
Instrument Date	May 17, 2019
Instrument	14116
Transaction Type	Transfer
Record Updated	Jun 10, 2019
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.85
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	173 STONEGATE RD TROUT VALLEY IL 600132443, TROUT VALLEY, IL 60013-2443

Mortgage

Document Number	14117
Date	May 20, 2019
Instrument	14117

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 19, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Apr 3, 2017
Property Address	173 STONEGATE RD, TROUT VALLEY, IL 60013-2443
Document Number	0000011709
Map Reference	MB12 PG41
Instrument Date	Mar 24, 2017
Instrument	2017R0011709
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	173 STONEGATE RD, TROUT VALLEY, IL 60013-2443

Mortgage

Document Number	0000011710
Date	Apr 3, 2017
Instrument	2017R0011710

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2032

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	$97,194 Land $24,453 Building $72,741	$291,582 Land $73,359 Building $218,223

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 173 Stonegate Rd 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 173 Stonegate Rd 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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