287 Charlotte Ct, Cary, IL 60013 Property Records

McHenry County property record for 287 Charlotte Ct, Cary, IL 60013

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,568 sqft · built 1994
Owner	Trust Name on Record
Last Sale	$199,888 (Sep 2017)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-13-258-013`

Property Details

APN / Parcel Number

Primary APN	`19-13-258-013`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Building Area	1,568 sqft
Gross Area	2,318 sqft

Exterior

Year Built	Built 1994
Architectural Style	Townhouse

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	287 CHARLOTTE CT
City	CARY
State	IL
Zip	60013-2657
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	DOC 2018R0010196 UNIT 287 CARRIAGE HILL OF BRIGADOON CONDOS (S PT LT 1 CARRIAGE HILL OF BRIGADOON SUB) MEMO: KLINK, CATHERINE
Legal Range	08E
Legal Township	43N
Legal Section	13
Legal Subdivision	CARRIAGE HILL OF BRIGADOON
Legal Block	258
Legal Lot Number	1
Legal Unit	287
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	287 CHARLOTTE CT, CARY, IL 60013-2657
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Apr 2, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 28, 2017	Warranty Deed, Transfer · Conventional Mortgage HOME STATE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2017 · Amount on Record
Deed Sale	Sep 28, 2017 · Amount on Record
Prior Sale	Sep 28, 2017 · Amount on Record
Deed Document Number	0000035955
Last Transfer Date	Apr 2, 2018
Transfer Doc	0000010196
Record Updated	Jun 7, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	287 CHARLOTTE CT, CARY, IL 60013-2657
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011841
Date	Apr 6, 2020
Instrument	2020R0011841

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 2, 2018
Property Address	287 CHARLOTTE CT, CARY, IL 60013-2657
Document Number	0000010196
Instrument Date	Mar 22, 2018
Instrument	10196
Transaction Type	Transfer
Record Updated	Apr 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	287 CHARLOTTE CT CARY IL 600132657, CARY, IL 60013-2657

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 28, 2017
Property Address	287 CHARLOTTE CT, CARY, IL 60013-2657
Document Number	0000035955
Map Reference	DOC93R33765
Instrument Date	Sep 20, 2017
Instrument	2017R0035955
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	CHICAGO TITLE

Transaction

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

Mortgage

Document Number	0000035956
Date	Sep 28, 2017
Instrument	2017R0035956

Lender

Name	HOME STATE BANK NA
Type	Bank

Agreement

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

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	$66,788 Land $13,368 Building $53,420	$200,364 Land $40,104 Building $160,260

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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