313 Oak Crest Rd, Cary, IL 60013 Property Records

McHenry County property record for 313 Oak Crest Rd, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,188 sqft · built 1970
Lot Size	0.683 acres (29,768 sqft)
Owner	2 Trust Names on File
Last Sale	$210,000 (Mar 2019)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-452-010`

Property Details

APN / Parcel Number

Primary APN	`20-08-452-010`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	1,188 sqft
Basement Area	1,188 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Lot Area	29,768 sqft (0.683 acres)
Lot Width	100 ft Width

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	313 OAK CREST RD
City	CARY
State	IL
Zip	60013-2353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2024R0016141 LT 226 BURHOP OAK HILL ESTATES 1ST ADDN
Legal Subdivision	BURHOP OAK HILL ESTATES 1ST ADDN
Legal Block	452
Legal Lot Number	226
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1001
Census Tract	871307

Owner

313 Oak Crest Rd is owner-occupied and held in a trust since April 2024.

Source: McHenry County records, as of March 27, 2026

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	2 Trust Names on File
Mailing Address	313 OAK CREST RD, CARY, IL 60013-2353
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Aug 2, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 6, 2019	Warranty Deed, Transfer · VA Mortgage BANK OF AMERICA
Oct 24, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 14, 2017	Quit Claim Deed, Mortgage · Line of Credit BAXTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2019 · Amount on File
Deed Sale	Mar 6, 2019 · Amount on File
Prior Sale	Mar 5, 1998 · Amount on File
Deed Document Number	20195923
Last Transfer Date	Apr 17, 2024
Transfer Doc	0000009500
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	313 OAK CREST RD, CARY, IL 60013-2353
Transaction Type	Mortgage
Record Updated	Oct 29, 2025
Title Company	AMERICAN NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 OAK CREST RD, CARY, IL 60013-2353

Mortgage

Document Number	0000028839
Date	Oct 16, 2025
Instrument	2025R0028839

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	313 OAK CREST RD, CARY, IL 60013-2353
Transaction Type	Mortgage
Record Updated	Aug 12, 2021
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041916
Date	Aug 2, 2021
Instrument	2021R0041916

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate	2.25%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 6, 2019
Property Address	313 OAK CREST RD, CARY, IL 60013-2353
Document Number	0000005923
Instrument Date	Feb 13, 2019
Instrument	5923
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	313 OAK CREST RD CARY IL 600132353, CARY, IL 60013-2353

Mortgage

Document Number	5924
Date	Mar 6, 2019
Instrument	5924

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2049

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Oct 24, 2018
Property Address	313 OAK CREST RD, CARY, IL 60013-2353
Document Number	0000036411
Instrument Date	Oct 22, 2018
Instrument	36411
Transaction Type	Transfer
Record Updated	Nov 13, 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	313 OAK CREST RD CARY IL 600132353, CARY, IL 60013-2353

September 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 14, 2017
Property Address	313 OAK CREST RD, CARY, IL 60013-2353
Instrument Date	Sep 7, 2017
Instrument	34089
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	MORTGAGE INFORMATION SERVICES

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	313 OAK CREST RD CARY IL 600132353, CARY, IL 60013-2353

Mortgage

Document Number	0000034089
Date	Sep 14, 2017
Instrument	34089

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 13, 2027

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	34090,
Date	Sep 14, 2017
Instrument	34090

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 13, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McHenry County
County Subdivision	Algonquin 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
2024		$90,844 Land $18,439 Building $72,405	$272,532 Land $55,317 Building $217,215
2022	Homeowner's exemption	$68,340 Land $17,250 Building $51,090	$205,020 Land $51,750 Building $153,270

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 313 Oak Crest Rd in Zone X, an area of minimal flood risk.

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	4 in force

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

Wildfire risk around 313 Oak Crest Rd is low, with less than a 0.01% annual chance of 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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.

Nearby Properties on Oak Crest Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures