315 Fox St, Cary, IL 60013 Property Records

McHenry County property record for 315 Fox St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,741 sqft · built 1999
Lot Size	0.991 acres (43,190 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Mar 2021)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Dec 2019 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`20-17-228-003`

Property Details

APN / Parcel Number

Primary APN	`20-17-228-003`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,741 sqft
Gross Area	5,622 sqft
1st Floor Area	1,898 sqft
2nd Floor Area	1,843 sqft

Exterior

Year Built	Built 1999
Architectural Style	Colonial
Exterior Material	Brick Veneer
Lot Area	43,190 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	315 FOX ST
City	CARY
State	IL
Zip	60013-6111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0016772 LT 40 RIVER ORCHARD SUB
Legal Range	09E
Legal Township	43N
Legal Section	17
Legal Subdivision	RIVER ORCHARD
Legal Block	228
Legal Lot Number	40
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1002
Census Tract	871307

Owner

315 Fox St is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	315 FOX ST, CARY, IL 60013-6111
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
Mar 26, 2021	Special Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Dec 9, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2021 · Amount on File
Deed Sale	Mar 26, 2021 · Amount on File
Prior Sale	Dec 9, 2019
Deed Document Number	2021R0016772
Record Updated	Jun 7, 2026

March 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 26, 2021
Property Address	315 FOX ST, CARY, IL 60013-6111
Document Number	0000016772
Map Reference	DOC 95R027938
Instrument Date	Mar 9, 2021
Instrument	2021R0016772
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	NLT TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	315 FOX ST, CARY, IL 60013-6111

Mortgage

Document Number	0000016773
Date	Mar 26, 2021
Instrument	2021R0016773

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

December 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCHENRY IL
Recording Date	Dec 9, 2019
Property Address	315 FOX ST, CARY, IL 60013-6111
Document Number	0000042114
Instrument Date	Dec 2, 2019
Instrument	42114
Transaction Type	Foreclosure
Record Updated	Dec 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

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
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	$162,281 Land $37,761 Building $124,520	$486,843 Land $113,283 Building $373,560

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 315 Fox St 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 315 Fox St 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 96% of the US · lower than 74% 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 194 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
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Fox St

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