226 Bell Dr, Cary, IL 60013 Property Records

McHenry County property record for 226 Bell Dr, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,096 sqft · built 1971
Lot Size	0.212 acres (9,240 sqft)
Owner	Owner Name on File
Last Sale	$143,000 (Sep 2011)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-18-103-029`

Property Details

APN / Parcel Number

Primary APN	`20-18-103-029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,096 sqft
Gross Area	1,624 sqft
1st Floor Area	1,096 sqft

Exterior

Year Built	Built 1971
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,240 sqft
Lot Dimensions	132 ft deep x 70 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	226 BELL DR
City	CARY
State	IL
Zip	60013-2219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2011R0037113 LT 55 1ST ADDN TO OAK KNOLL ESTATES MEMO: BERG, RYAN MARY LEE/ OREILLY, ROBERT P
Legal Range	09E
Legal Township	43N
Legal Section	18
Legal Subdivision	1ST ADDN TO OAK KNOLL ESTATES
Legal Block	103
Legal Lot Number	1,55
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3012
Census Tract	871307

Owner

The current owner of 226 Bell Dr bought it in September 2011.

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

Owner of Record	Owner Name on File
Mailing Address	226 BELL DR, CARY, IL 60013-2219

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
Dec 26, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 23, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2011 · Amount on File
Deed Sale	Sep 16, 2011 · Amount on File
Deed Document Number	2011R0037113
Record Updated	Jun 7, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	226 BELL DR, CARY, IL 60013-2219
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 BELL DR, CARY, IL 60013-2219

Mortgage

Document Number	0000036227
Date	Dec 26, 2025
Instrument	2025R0036227

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	226 BELL DR, CARY, IL 60013-2219
Transaction Type	Mortgage
Record Updated	Nov 4, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 BELL DR, CARY, IL 60013-2219

Mortgage

Document Number	0000038761
Date	Sep 23, 2020
Instrument	2020R0038761

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	252 Months
Due	Sep 1, 2041

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	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
2022	Homeowner's exemption	$70,026 Land $19,398 Building $50,628	$210,078 Land $58,194 Building $151,884

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 226 Bell Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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 (2004)
Most Recent Claim	Sep 2004 · 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.

Wildfire

Wildfire risk around 226 Bell Dr 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 98% of the US · lower than 86% 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 338 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 Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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