235 Charlotte Ct, Cary, IL 60013 Property Records

McHenry County property record for 235 Charlotte Ct, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,282 sqft · built 1998
Lot Size	0.596 acres (25,940 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jun 2023)
Tax Bill	$6,717 (2024)
Deeds & Mortgages	Nov 2023 Transfer Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-13-258-041`

Property Details

APN / Parcel Number

Primary APN	`19-13-258-041`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,282 sqft Living Area
Basement Area	743 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Townhouse
Lot Area	25,940 sqft (0.596 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	235 CHARLOTTE CT
City	CARY
State	IL
Zip	60013-2657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2023R0013778 UNIT 235 CARRIAGE HILL OF BRIGADOON CONDOS 7TH AMEND (PT LT 1 CARRIAGE HILL OF BRIGADOON SUB) MEMO: OBRIEN, JONATHAN PATRICK/ LAING, BRIDGET MARIE
Legal Subdivision	CARRIAGE HILL OF BRIGADOON CONDOS 7TH
Legal Block	258
Legal Lot Number	1
Legal Unit	235
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3015
Census Tract	871600

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	2 Individual Names on Record
Mailing Address	943 GOLF COURSE RD, 6, CRYSTAL LAKE, IL 60014-8849
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 12, 2023	Warranty Deed, Transfer · Conventional Mortgage HEALTHCARE ASSOCIATES CU
May 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2023 · Amount on Record
Deed Sale	Jun 12, 2023 · Amount on Record
Prior Sale	Feb 24, 1999 · Amount on Record
Last Transfer Date	Nov 6, 2023
Transfer Doc	0000028594
Record Updated	Sep 20, 2026

November 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 9, 2023
Property Address	235 CHARLOTTE CT, CARY, IL 60013-2657
Document Number	0000028594
Map Reference	DOC 93R39116
Instrument Date	Nov 6, 2023
Instrument	2023R0028594
Transaction Type	Transfer
Record Updated	Nov 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 12, 2023
Property Address	235 CHARLOTTE CT, CARY, IL 60013-2657
Document Number	0000013778
Map Reference	DOC 93R39116
Instrument Date	Jun 9, 2023
Instrument	2023R0013778
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
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	235 CHARLOTTE CT, CARY, IL 60013-2657

Mortgage

Document Number	0000013779
Date	Jun 12, 2023
Instrument	2023R0013779

Lender

Name	HEALTHCARE ASSOCIATES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.87%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	235 CHARLOTTE CT, CARY, IL 60013-2657
Document Number	0000014038
Instrument Date	May 11, 2019
Transaction Type	Mortgage
Record Updated	Jun 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	235 CHARLOTTE CT CARY IL 600132657, CARY, IL 60013-2657

Mortgage

Document Number	0000014038
Date	May 20, 2019
Instrument	14038

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 19, 2039

Interest

Rate	10.9%

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	$6,717.00	$87,773 (+21.89%) Land $16,561 Building $71,212	$263,319 (+21.89%) Land $49,683 Building $213,636
2022	Homeowner's exemption	$72,010 Land $13,368 Building $58,642	$216,030 Land $40,104 Building $175,926

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 Claims	6 (1979–2013)
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms & Flooding, Oct 1986 · 2 claims

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 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 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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