260 Thomas St, Cary, IL 60013 Property Records

McHenry County property record for 260 Thomas St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,264 sqft · built 1979
Lot Size	0.253 acres (11,025 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Sep 2023)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-13-280-011`

Property Details

APN / Parcel Number

Primary APN	`19-13-280-011`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,264 sqft
Gross Area	2,487 sqft
1st Floor Area	1,264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	11,025 sqft (0.253 acres)
Lot Dimensions	147 ft deep x 75 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	260 THOMAS ST
City	CARY
State	IL
Zip	60013-2727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0017576 LT 4 PARK TOWER ESTATES MEMO: CORNWALL, RICHARD WARD/ ANNA ELIZABETH
Legal Range	08E
Legal Township	43N
Legal Section	13
Legal Subdivision	PARK TOWER ESTATES
Legal Block	280
Legal Lot Number	4
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
Co-owner	Co-owner on Record
Mailing Address	260 THOMAS ST, CARY, IL 60013-2727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Warranty Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP
Jun 17, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2023 · Amount on Record
Deed Sale	Sep 7, 2023 · Amount on Record
Prior Sale	Jun 17, 2019 · Amount on Record
Deed Document Number	2023R0022359
Record Updated	Jun 7, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 7, 2023
Property Address	260 THOMAS ST, CARY, IL 60013-2727
Document Number	0000022359
Map Reference	DOC 693112
Instrument Date	Aug 25, 2023
Instrument	2023R0022359
Transaction Type	Transfer
Record Updated	Sep 20, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	260 THOMAS ST, CARY, IL 60013-2727
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022360
Date	Sep 7, 2023
Instrument	2023R0022360

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6%

Mortgage

Document Number	0000022361
Date	Sep 7, 2023
Instrument	2023R0022361

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 17, 2019
Property Address	260 THOMAS ST, CARY, IL 60013-2727
Document Number	0000017576
Map Reference	DOC 693112
Instrument Date	Jun 11, 2019
Instrument	2019R0017576
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 THOMAS STREET, CARY, NC

Mortgage

Document Number	0000017577
Date	Jun 17, 2019
Instrument	2019R0017577

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	$83,324 Land $19,115 Building $64,209	$249,972 Land $57,345 Building $192,627

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
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.

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