28981 W Rivers Edge Dr, Cary, IL 60013 Property Records

Lake County property record for 28981 W Rivers Edge Dr, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,354 sqft · built 1989
Lot Size	1.05 acres (46,113 sqft)
Owner	Individual Name on Record
Tax Bill	$9,534 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-312-001`

Property Details

APN / Parcel Number

Primary APN	`13-09-312-001`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,354 sqft Living Area
Gross Area	4,257 sqft
1st Floor Area	1,183 sqft
Upper Floors Area	1,171 sqft
Basement Area	1,183 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1994
Exterior Material	Wood
Lot Area	46,113 sqft (1.05 acres)
Lot Dimensions	319 ft deep x 173 ft wide
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	78 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	28981 W RIVERS EDGE DR
City	CARY
State	IL
Zip	60013-3604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERS EDGE SUB LOT 22
Legal Subdivision	RIVERS EDGE SUB
Legal Lot Number	22
Jurisdiction	LAKE IL
Township / Civil Division	CUBA
Census Block Group	2
Census Block	2021
Census Tract	864303

Owner

Source: Lake County records, as of October 22, 2026

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	28981 W RIVERS EDGE DR, CARY, IL 60013-3604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jan 26, 2018	Deed of Trust, Mortgage · FHA Mortgage PACIFIC UNION FINANCIAL LLC
Sep 14, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Nov 8, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Sep 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2015
Deed Sale	Feb 10, 2015
Prior Sale	Jul 21, 2004 · Amount on Record
Deed Document Number	20157169332
Prior Transfer Date	Feb 2, 2015
Prior Transfer Doc	0007169332
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	28981 W RIVERS EDGE DR, CARY, IL 60013-3604
Transaction Type	Mortgage
Record Updated	Aug 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007797081
Date	Jun 9, 2021
Instrument	7797081

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	28981 W RIVERS EDGE DR, CARY, IL 60013-3604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007460464
Date	Jan 26, 2018
Instrument	7460464

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	28981 W RIVERS EDGE DR, CARY, IL 60013-3604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007694169
Date	Sep 14, 2020
Instrument	7694169

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	28981 W RIVERS EDGE DR, CARY, IL 60013-3604
Document Number	0007609824
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28981 W RIVERS EDGE DR CARY IL 600133604, CARY, IL 60013-3604

Mortgage

Document Number	0007609824
Date	Nov 18, 2019
Instrument	7609824

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2049

Interest

Rate	3.62%

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	Sep 20, 2018
Property Address	28981 W RIVERS EDGE DR, CARY, IL 60013-3604
Document Number	0007514074
Instrument Date	Jun 2, 2018
Instrument	7514074
Transaction Type	Transfer
Record Updated	Oct 2, 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
Address	28981 W RIVERS EDGE DR CARY IL 600133604, CARY, IL 60013-3604

Tax Assessment & Valuation

Source: Lake County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Cuba Township
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
2025		$144,416 (+6.04%) Land $15,173 Building $129,243	$433,292 (+6.04%) Land $45,524 Building $387,768
2024	$9,534.00 (-2.6%)	$136,190 (+5.5%) Land $14,309 Building $121,881	$408,611 (+5.5%) Land $42,931 Building $365,680
2023	$9,788.00 (+7.6%)	$129,090 (+10.21%) Land $13,563 Building $115,527	$387,309 (+10.21%) Land $40,693 Building $346,616
2022	$9,097.00	$117,132 Land $15,345 Building $101,787	$351,432 Land $46,040 Building $305,392

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 20, 2024 · 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
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	61 (1979–2019)
Claims Outside the SFHA	6 of 61
Most Recent Claim	Sep 2019 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 13 claims Severe Storms And Flooding, Jun 2008 · 7 claims Severe Storms & Flooding, Apr 1993 · 6 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	FOX RIVER GROVE serves 4,702 people · EPA ID IL1110200
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2020
Monitoring and Reporting	None 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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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