320 Fox St, Cary, IL 60013 Property Records

McHenry County property record for 320 Fox St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,987 sqft · built 1998
Lot Size	0.709 acres (30,873 sqft)
Owner	2 Company Names on Record
Last Sale	$547,500 (Oct 2008)
Tax Bill	$13,707 (2024)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20-17-202-001`

Property Details

APN / Parcel Number

Primary APN	`20-17-202-001`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,987 sqft Living Area
1st Floor Area	2,125 sqft
Basement Area	2,115 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	30,873 sqft (0.709 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	320 FOX ST
City	CARY
State	IL
Zip	60013-6107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2023R0002141 LT 6 RIVER ORCHARD SUB
Legal Subdivision	RIVER ORCHARD SUB
Legal Block	202
Legal Lot Number	6
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1001
Census Tract	871307

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	320 FOX ST, CARY, IL 60013-6107
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC
Jan 30, 2023	Intrafamily Transfer, Transfer ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2008 · Amount on Record
Deed Sale	Oct 14, 2008 · Amount on Record
Prior Sale	Nov 24, 2003 · Amount on Record
Deed Document Number	200853375
Last Transfer Date	Jan 23, 2023
Transfer Doc	0000002141
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	320 FOX ST, CARY, IL 60013-6107
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	GREATER ILLINOIS TITLE COMPANY, GIT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040934
Date	Jul 27, 2021
Instrument	2021R0040934

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.75%

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Jan 30, 2023
Property Address	320 FOX ST, CARY, IL 60013-6107
Document Number	0000002141
Map Reference	DOC 95R-027938
Instrument Date	Jan 23, 2023
Instrument	2023R0002141
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	320 FOX ST, CARY, IL 60013-6107

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	$13,707.00	$187,467 (+26.03%) Land $36,314 Building $151,153	$562,401 (+26.03%) Land $108,942 Building $453,459
2022	Homeowner's exemption	$148,752 Land $47,486 Building $101,266	$446,256 Land $142,458 Building $303,798

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	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

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.

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

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