278 Charlotte Ct, Cary, IL 60013 Property Records

McHenry County property record for 278 Charlotte Ct, Cary, IL 60013

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,668 sqft · built 1998
Owner	Individual Name on File
Last Sale	$297,000 (May 2023)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-13-258-050`

Property Details

APN / Parcel Number

Primary APN	`19-13-258-050`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Building Area	1,668 sqft
Gross Area	2,427 sqft

Exterior

Year Built	Built 1998
Architectural Style	Townhouse

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	278 CHARLOTTE CT
City	CARY
State	IL
Zip	60013-2654
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	DOC 2021R0010447 UNIT 278 CARRIAGE HILL OF BRIGADOON CONDOS 1ST REV 8TH AMEND (MID PT LT 1 CARRIAGE HILL OF BRIGADOON SUB)
Legal Range	08E
Legal Township	43N
Legal Section	13
Legal Subdivision	CARRIAGE HILL OF BRIGADOON
Legal Lot Number	1
Legal Unit	278
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3015
Census Tract	871600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	278 CHARLOTTE CT, CARY, IL 60013-2654
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Warranty Deed, Transfer · Conventional Mortgage SOLUTIONS FINANCIAL MORTGAGE COMPAN
Feb 25, 2021	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2023 · Amount on File
Deed Sale	May 30, 2023 · Amount on File
Prior Sale	Feb 25, 2021 · Amount on File
Deed Document Number	2023R0012444
Record Updated	Jun 7, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	May 30, 2023
Property Address	278 CHARLOTTE CT, CARY, IL 60013-2654
Document Number	0000012444
Map Reference	DOC 1993R039116
Instrument Date	May 18, 2023
Instrument	2023R0012444
Transaction Type	Transfer
Record Updated	Jun 14, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 CHARLOTTE CT, CARY, IL 60013-2654

Mortgage

Document Number	0000012445
Date	May 30, 2023
Instrument	2023R0012445

Lender

Name	SOLUTIONS FINANCIAL MORTGAGE COMPAN
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.62%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Feb 25, 2021
Property Address	278 CHARLOTTE CT, CARY, IL 60013-2654
Document Number	0000010447
Map Reference	DOC 93R33765
Instrument Date	Jan 29, 2021
Instrument	2021R0010447
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$198.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 472, PARK RIDGE, IL 60068-0472

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 CHARLOTTE CT, CARY, IL 60013-2654

Mortgage

Document Number	0000010449
Date	Feb 25, 2021
Instrument	2021R0010449

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

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	Disabled Person's exemption	$68,896 Land $13,368 Building $55,528	$206,688 Land $40,104 Building $166,584

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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