304 S Carriage Trl, McHenry, IL 60050 Property Records

McHenry County property record for 304 S Carriage Trl, McHenry, IL 60050

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,970 sqft · built 1995
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$176,000 (Jul 1998)
Deeds & Mortgages	Apr 2023 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-04-230-010`

Property Details

APN / Parcel Number

Primary APN	`14-04-230-010`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,970 sqft Living Area
Gross Area	2,977 sqft
Basement Area	1,007 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Attached
Garage Area	249 sqft
Parking Spaces	1 Parking Space
Deck Area	182 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	304 S CARRIAGE TRL
City	MCHENRY
State	IL
Zip	60050-5400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2018R0007759 LT 10 BLK 3 WINDING CREEK FIVE UNIT 1
Legal Range	08E
Legal Township	44N
Legal Section	04
Legal Subdivision	WINDING CREEK
Legal Block	3
Legal Lot Number	10
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	1
Census Block	1014
Census Tract	870813

Owner

304 S Carriage Trl is owned and occupied by an individual who acquired it in March 2018.

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

Owner of Record	Individual Name on File
Mailing Address	304 S CARRIAGE TRL, MCHENRY, IL 60050-5400
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2023	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PORTFOLIO MORTGAGE CORP
Nov 30, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 13, 2018	Grant Deed, Foreclosure · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 1998 · Amount on File
Deed Sale	Jul 9, 1998 · Amount on File
Prior Sale	Nov 23, 2015
Deed Document Number	0000043722
Deed Book / Page	1404
Last Transfer Date	Mar 13, 2018
Transfer Doc	0000007759
Record Updated	Jun 7, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	304 S CARRIAGE TRL, MCHENRY, IL 60050-5400
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007678
Date	Apr 6, 2023
Instrument	2023R0007678

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company
Address	PALATINE, IL 60067

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.25%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	304 S CARRIAGE TRL, MCHENRY, IL 60050-5400
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051434
Date	Nov 30, 2020
Instrument	2020R0051434

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	330 Months
Due	May 1, 2048

March 2018: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 13, 2018
Property Address	304 S CARRIAGE TRL, MCHENRY, IL 60050-5400
Document Number	0000007759
Instrument Date	Feb 2, 2018
Instrument	7759
Transaction Type	Foreclosure
Record Updated	Feb 25, 2019
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$299.85

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	304 S CARRIAGE TRL MCHENRY IL 600505400, MCHENRY, IL 60050-5400

Mortgage

Document Number	7760
Date	Mar 13, 2018
Instrument	7760

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2048

Interest

Rate	5%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2022

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Nunda Township
Municipality	McHenry City
Elementary School District	McHenry Community Consolidated School District 15 (PK - 08)
Secondary School District	McHenry Community High School District 156 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$81,161 Land $18,357 Building $62,804	$243,483 Land $55,071 Building $188,412

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

FEMA maps place 304 S Carriage Trl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 28, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 304 S Carriage Trl has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	MCHENRY serves 22,335 people · EPA ID IL1110600
Water Source	Groundwater
Last State Inspection	May 2023
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	23 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 529 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: Verizon.

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