307 S Carriage Trl, McHenry, IL 60050 Property Records

McHenry County property record for 307 S Carriage Trl, McHenry, IL 60050

Property Summary

Property Type	Single Family Home
Details	3 bd · 11 ba · 2,384 sqft · built 1988
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$343,000 (Jan 2026)
Tax Bill	$8,277 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-04-230-004`

Property Details

APN / Parcel Number

Primary APN	`14-04-230-004`

Interior

Bedrooms	3 Beds
Full Baths	11 Baths
Half Baths	5 Half Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,384 sqft Living Area
Basement Area	865 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	114 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	307 S CARRIAGE TRL
City	MCHENRY
State	IL
Zip	60050-5400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0010510 LT 4 BLK 3 WINDING CREEK FIVE UNIT 1 MEMO: STRIP OF CRYSTAL LAKE ROAD DEDICATED PER DOC 148819
Legal Range	08E
Legal Township	44N
Legal Section	04
Legal Subdivision	WINDING CREEK
Legal Block	3
Legal Lot Number	4
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	NUNDA
Census Block Group	1
Census Block	1014
Census Tract	870813

Owner

307 S Carriage Trl is owned and occupied by an individual who bought it in January 2026.

Source: McHenry County records, as of February 2, 2026

Owner of Record	Individual Name on File
Mailing Address	307 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 5, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 9, 2026	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Mar 25, 2020	Warranty Deed, Transfer · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2026 · Amount on File
Deed Sale	Jan 9, 2026 · Amount on File
Prior Sale	Mar 25, 2020 · Amount on File
Deed Document Number	2026R0000822
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	307 S CARRIAGE TRL, MCHENRY, IL 60050-5400
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018355
Date	Apr 5, 2021
Instrument	2021R0018355

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	May 1, 2050

Interest

Rate	2.37%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jan 9, 2026
Property Address	307 S CARRIAGE TRL, MCHENRY, IL 60050-5400
Document Number	0000000822
Map Reference	DOC 88R9769
Instrument Date	Dec 15, 2025
Instrument	2026R0000822
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	LTS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$343.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	307 S CARRIAGE TRL, MCHENRY, IL 60050-5400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 S CARRIAGE TRL, MCHENRY, IL 60050-5400

Mortgage

Document Number	0000000823
Date	Jan 9, 2026
Instrument	2026R0000823

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.99%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 25, 2020
Property Address	307 S CARRIAGE TRL, MCHENRY, IL 60050-5400
Document Number	0000010510
Map Reference	DOC 88R769
Instrument Date	Mar 16, 2020
Instrument	2020R0010510
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$238.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 S CARRIAGE TRL, MCHENRY, IL 60050-5400

Mortgage

Document Number	0000010511
Date	Mar 25, 2020
Instrument	2020R0010511

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Interest

Rate	3.75%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2024

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
2024	$8,277.00 Homeowner's exemption	$106,342 Land $22,383 Building $83,959	$319,026 Land $67,149 Building $251,877
2022	Homeowner's exemption	$81,890 Land $18,357 Building $63,533	$245,670 Land $55,071 Building $190,599

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 307 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 307 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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