251 Thomas St, Cary, IL 60013 Property Records

McHenry County property record for 251 Thomas St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,664 sqft · built 1978
Lot Size	0.227 acres (9,909 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Aug 2020 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-13-281-013`

Property Details

APN / Parcel Number

Primary APN	`19-13-281-013`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,664 sqft
Gross Area	2,496 sqft
1st Floor Area	832 sqft
2nd Floor Area	832 sqft

Exterior

Year Built	Built 1978
Exterior Material	Frame Siding
Lot Area	9,909 sqft (0.227 acres)
Lot Dimensions	132 ft deep x 75 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	251 THOMAS ST
City	CARY
State	IL
Zip	60013-2726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0032937 LT 8 PARK TOWER ESTATES
Legal Range	08E
Legal Township	43N
Legal Section	13
Legal Subdivision	PARK TOWER ESTATES
Legal Block	281
Legal Lot Number	8
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2005
Census Tract	871600

Owner

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

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	251 THOMAS ST, CARY, IL 60013-2726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Feb 27, 2017	Warranty Deed, Transfer · Conventional Mortgage HOME STATE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2020
Deed Sale	Aug 21, 2020
Prior Sale	Apr 24, 2012 · Amount on Record
Deed Document Number	WARRANTY DEED
Prior Transfer Date	Feb 27, 2017
Prior Transfer Doc	2017R0007081
Record Updated	Jun 7, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	251 THOMAS ST, CARY, IL 60013-2726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032938
Date	Aug 21, 2020
Instrument	2020R0032938

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Feb 27, 2017
Property Address	251 THOMAS ST, CARY, IL 60013-2726
Document Number	0000007081
Map Reference	DOC693112
Instrument Date	Feb 23, 2017
Instrument	2017R0007081
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	HERITAGE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2334 S CYPRESS BEND DR APT 604, 604, POMPANO BEACH, FL 33069-5628

Mortgage

Document Number	0000007082
Date	Feb 27, 2017
Instrument	2017R0007082

Lender

Name	HOME STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Interest

Rate	4.5%

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	$90,455 Land $18,260 Building $72,195	$271,365 Land $54,780 Building $216,585

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1979–2022)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Feb 2022 · 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 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.

Nearby Properties on Thomas St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures