3 River Dr, Trout Valley (Cary), IL 60013 Property Records

McHenry County property record for 3 River Dr, Trout Valley, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,433 sqft · built 1961
Lot Size	0.463 acres (20,207 sqft)
Owner	Individual Name on Record
Last Sale	$373,000 (Jul 2020)
Deeds & Mortgages	Feb 2022 Line of Credit Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-13-376-001`

Property Details

APN / Parcel Number

Primary APN	`19-13-376-001`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,433 sqft
1st Floor Area	2,433 sqft

Exterior

Year Built	Built 1961
Architectural Style	Ranch
Exterior Material	Brick Veneer
Lot Area	20,207 sqft (0.463 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	3 RIVER DR
City	TROUT VALLEY
State	IL
Zip	60013-2452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0026701 LT 3 TROUT VALLEY RESUB
Legal Range	08E
Legal Township	43N
Legal Section	13
Legal Subdivision	TROUT VLY
Legal Block	376
Legal Lot Number	3 200
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2008
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 Record
Co-owner	Co-owner on Record
Mailing Address	3 RIVER DR, TROUT VALLEY, IL 60013-2452
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Deed of Trust, Mortgage · Line of Credit CRYSTAL LAKE BANK & TRUST COMPANY NA
Sep 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Jul 16, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2020 · Amount on Record
Deed Sale	Jul 16, 2020 · Amount on Record
Prior Sale	Jul 16, 2015 · Amount on Record
Deed Document Number	2020R0026701
Record Updated	Jun 7, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	3 RIVER DR, TROUT VALLEY, IL 60013-2452
Transaction Type	Mortgage
Record Updated	Feb 23, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005719
Date	Feb 11, 2022
Instrument	2022R0005719

Lender

Name	CRYSTAL LAKE BANK & TRUST COMPANY NA
Type	Bank
Address	CRYSTAL LAKE, IL 60014

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	3 RIVER DR, TROUT VALLEY, IL 60013-2452
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GREATER ILLINOIS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035837
Date	Sep 28, 2017
Instrument	2017R0035837

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2032

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jul 16, 2020
Property Address	3 RIVER DR, TROUT VALLEY, IL 60013-2452
Document Number	0000026701
Map Reference	MB13 PG32 DOC325493
Instrument Date	Jun 29, 2020
Instrument	2020R0026701
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$373.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 RIVER DR, TROUT VALLEY, IL 60013-2452

Mortgage

Document Number	0000026702
Date	Jul 16, 2020
Instrument	2020R0026702

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3%

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	Trout Valley 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	$115,719 Land $24,857 Building $90,862	$347,157 Land $74,571 Building $272,586

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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 156 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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