McHenry County property record for 196 River Dr, Trout Valley, IL 60013
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,984 sqft · built 1958 |
| Lot Size | 0.637 acres (27,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $322,000 (Aug 2003) |
| Tax Bill | $11,330 (2024) |
| Deeds & Mortgages | Jan 2021 Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-13-329-002 |
| Primary APN | 19-13-329-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,984 sqft Living Area |
| 1st Floor Area | 2,519 sqft |
| Basement Area | 1,863 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 27,750 sqft (0.637 acres) |
| Lot Dimensions | 185 ft deep x 150 ft wide |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 196 RIVER DR |
|---|---|
| City | TROUT VALLEY |
| State | IL |
| Zip | 60013-2453 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2003R0111771 LT 196 TROUT VALLEY DIVISION C |
| Legal Subdivision | TROUT VALLEY DIVISION C |
| Legal Block | 329 |
| Legal Lot Number | 196 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 871600 |
196 River Dr is owned and occupied by two individuals who bought it in August 2003.
Source: McHenry County records, as of March 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 196 RIVER DR, TROUT VALLEY, IL 60013-2453 |
| 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.
| Date | Document |
|---|---|
| Jan 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Apr 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2003 · Amount on File |
| Deed Sale | Aug 15, 2003 · Amount on File |
| Prior Sale | Mar 29, 2001 · Amount on File |
| Deed Document Number | 2003111771 |
| Prior Transfer Date | Mar 10, 1994 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 196 RIVER DR, TROUT VALLEY, IL 60013-2453 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004704 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 2021R0004704 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 196 RIVER DR, TROUT VALLEY, IL 60013-2453 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CITYWIDE TITLE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0000012744 |
|---|---|
| Date | Apr 13, 2020 |
| Instrument | 2020R0012744 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2035 |
Source: McHenry County assessment roll, as of March 27, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $11,330.00 | $149,738 Land $25,821 Building $123,917 | $449,214 Land $77,463 Building $371,751 |
| 2022 | Homeowner's exemption | $112,836 Land $29,347 Building $83,489 | $338,508 Land $88,041 Building $250,467 |
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.
FEMA maps place 196 River Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Apr 1979 · rainfall accumulation |
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.
The area around 196 River Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 359 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.
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