226 Valley Rd, Cary, IL 60013 Property Records

McHenry County property record for 226 Valley Rd, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,769 sqft · built 1958
Lot Size	0.63 acres (27,456 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Nov 2020)
Tax Bill	$9,949 (2024)
Deeds & Mortgages	May 2026 Line of Credit Aug 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`19-24-103-003`

Property Details

APN / Parcel Number

Primary APN	`19-24-103-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,769 sqft Living Area
1st Floor Area	1,769 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	27,456 sqft (0.63 acres)
Garage Type	Attached
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	226 VALLEY RD
City	CARY
State	IL
Zip	60013-2438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0047531 LT 226 TROUT VALLEY DIVISION F
Legal Subdivision	TROUT VALLEY DIVISION
Legal Tract	1
Legal Block	103
Legal Lot Number	226
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	4
Census Block	4001
Census Tract	871600

Owner

226 Valley Rd is owned and occupied by two individuals who bought it in November 2020.

Source: McHenry County records, as of May 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	226 VALLEY RD, TROUT VALLEY, IL 60013-2438
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 8, 2026	Deed of Trust, Mortgage · Line of Credit ABBOTT LABORATORIES EMP CREDIT UNION
Aug 9, 2022	Deed of Trust, Mortgage · Line of Credit ABBOTT LABORATORIES EMPLOYEES CU
Oct 13, 2023	Deed of Trust, Mortgage · Line of Credit ABBOTT LABORATORIES EMPLOYEES CU
Apr 10, 2026	Deed of Trust, Mortgage · Line of Credit ABBOTT LABORATORIES EMP CREDIT UNION
Nov 9, 2020	Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC
Apr 22, 2017	Deed of Trust, Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2020 · Amount on File
Deed Sale	Nov 9, 2020 · Amount on File
Prior Sale	Oct 9, 2012 · Amount on File
Deed Document Number	202047531
Prior Transfer Date	Jul 19, 2012
Prior Transfer Doc	0000032746
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Recording Date	May 8, 2026
Property Address	226 VALLEY RD, TROUT VALLEY, IL 60013-2438
Document Number	0000012722
Instrument Date	Apr 29, 2026
Instrument	202612722
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	226 VALLEY RD, TROUT VALLEY, IL 60013-2438
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012722,
Date	May 8, 2026
Instrument	202612722

Lender

Name	ABBOTT LABORATORIES EMP CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.46%
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	226 VALLEY RD, TROUT VALLEY, IL 60013-2438
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027944
Date	Aug 9, 2022
Instrument	2022R0027944

Lender

Name	ABBOTT LABORATORIES EMPLOYEES CU
Type	Credit Union
Address	GURNEE, IL 60031

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 8, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	226 VALLEY RD, TROUT VALLEY, IL 60013-2438
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000026058
Date	Oct 13, 2023
Instrument	2023R0026058

Lender

Name	ABBOTT LABORATORIES EMPLOYEES CU
Type	Credit Union
Address	GURNEE, IL 60031

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Oct 12, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Recording Date	Apr 10, 2026
Property Address	226 VALLEY RD, TROUT VALLEY, IL 60013-2438
Document Number	0000009603
Instrument Date	Mar 28, 2025
Instrument	20269603
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	226 VALLEY RD, TROUT VALLEY, IL 60013-2438
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009603,
Date	Apr 10, 2026
Instrument	20269603

Lender

Name	ABBOTT LABORATORIES EMP CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.76%
Max Rate	-1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 9, 2020
Property Address	226 VALLEY RD, TROUT VALLEY, IL 60013-2438
Document Number	0000047531
Map Reference	MB13PG40&41DOC329255
Instrument Date	Sep 29, 2020
Instrument	2020R0047531
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
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	26 VALLEY DR, OAKWOOD HILLS, IL 60013-1127
Investor	Possibly a Property Investor

Mortgage

Document Number	0000047532
Date	Nov 9, 2020
Instrument	2020R0047532

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	226 VALLEY RD, TROUT VALLEY, IL 60013-2438
Document Number	0000015114
Instrument Date	Apr 22, 2017
Transaction Type	Mortgage
Record Updated	Jun 12, 2017
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	226 VALLEY RD TROUT VALLEY IL 600132438, TROUT VALLEY, IL 60013-2438

Mortgage

Document Number	0000015114
Date	Apr 28, 2017
Instrument	15114

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	300 Months
Due	Apr 27, 2042

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	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
2024	$9,949.00	$132,459 Land $25,695 Building $106,764	$397,377 Land $77,085 Building $320,292
2022	Homeowner's exemption	$109,363 Land $29,207 Building $80,156	$328,089 Land $87,621 Building $240,468

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 Valley 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 226 Valley 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 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 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.

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