321 Ann St, Cary, IL 60013 Property Records

McHenry County property record for 321 Ann St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,278 sqft · built 1976
Lot Size	0.252 acres (11,004 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Jul 2022)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-12-407-014`

Property Details

APN / Parcel Number

Primary APN	`19-12-407-014`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,278 sqft
Gross Area	1,968 sqft
1st Floor Area	1,278 sqft

Exterior

Year Built	Built 1976
Architectural Style	Split Level
Exterior Material	Frame Siding
Lot Area	11,004 sqft (0.252 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	321 ANN ST
City	CARY
State	IL
Zip	60013-1613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2022R0026654 LT 64 HANSONS OAK VIEW ESTATES MEMO: SIWEK ELIZABETH/MOLITOR, MATTHEW
Legal Range	08E
Legal Township	43N
Legal Section	12
Legal Subdivision	HANSONS OAK VIEW ESTATES
Legal Block	407
Legal Lot Number	64
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2001
Census Tract	871305

Owner

321 Ann St is owned by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	321 ANN ST, CARY, IL 60013-1613
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
Jul 28, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2022 · Amount on File
Deed Sale	Jul 28, 2022 · Amount on File
Prior Sale	Aug 23, 2002 · Amount on File
Deed Document Number	2022R0026654
Record Updated	Jun 7, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jul 28, 2022
Property Address	321 ANN ST, CARY, IL 60013-1613
Document Number	0000026654
Map Reference	MB 14 OG 24
Instrument Date	Jul 14, 2022
Instrument	2022R0026654
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 ANN ST, 321, CARY, IL 60013-1613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	453 N LAKE SHORE DR, CHICAGO, IL 60611

Mortgage

Document Number	0000026655
Date	Jul 28, 2022
Instrument	2022R0026655

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate	6.62%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	321 ANN ST, CARY, IL 60013-1613
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022403
Date	Jun 21, 2017
Instrument	2017R0022403

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

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
Municipality	Cary Village
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	$86,978 Land $17,575 Building $69,403	$260,934 Land $52,725 Building $208,209

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 321 Ann St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2017 · other causes

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

The area around 321 Ann St 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	CARY serves 17,826 people · EPA ID IL1110100
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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