20 Lloyd St, Cary, IL 60013 Property Records

McHenry County property record for 20 Lloyd St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,614 sqft · built 1978
Lot Size	0.227 acres (9,900 sqft)
Owner	Individual Name on Record
Last Sale	$203,000 (Oct 2018)
Tax Bill	$6,810 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-12-427-016`

Property Details

APN / Parcel Number

Primary APN	`19-12-427-016`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,614 sqft Living Area
1st Floor Area	1,134 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Raised Ranch
Lot Area	9,900 sqft (0.227 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	20 LLOYD ST
City	CARY
State	IL
Zip	60013-2122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2018R0033691 LT 97 HANSONS OAK VIEW ESTATES MEMO: MONTES, LUIS I TORRES/MAYEN, ARLENE E
Legal Subdivision	HANSONS OAK VIEW ESTATES
Legal Block	427
Legal Lot Number	97
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2000
Census Tract	871305

Owner

Source: McHenry County records, as of March 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20 LLOYD ST, CARY, IL 60013-2122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · VA Mortgage NEIGHBORHOOD LOANS
Oct 2, 2018	Grant Deed, Transfer · VA Mortgage NEIGHBORHOOD LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2018 · Amount on Record
Deed Sale	Oct 2, 2018 · Amount on Record
Deed Document Number	201833691
Last Transfer Date	May 23, 2024
Transfer Doc	0000006093
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	20 LLOYD ST, CARY, IL 60013-2122
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043782
Date	Aug 10, 2021
Instrument	2021R0043782

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCHENRY IL
Recording Date	Oct 2, 2018
Property Address	20 LLOYD ST, CARY, IL 60013-2122
Document Number	0000033691
Instrument Date	Sep 20, 2018
Instrument	33691
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$304.50
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	20 LLOYD ST CARY IL 600132122, CARY, IL 60013-2122

Mortgage

Document Number	33692
Date	Oct 2, 2018
Instrument	33692

Lender

Name	NEIGHBORHOOD LOANS
Type	Funding / Finance Company
Address	LOMBARD, IL 60148

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

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	$6,810.00	$88,866 (+8.67%) Land $16,643 Building $72,223	$266,598 (+8.67%) Land $49,929 Building $216,669
2022	Homeowner's exemption	$81,779 Land $19,398 Building $62,381	$245,337 Land $58,194 Building $187,143

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

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 Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2017 · other causes

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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