40 Cahill Rd, Trout Valley (Cary), IL 60013 Property Records

McHenry County property record for 40 Cahill Rd, Trout Valley, IL 60013

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,683 sqft · built 1965
Lot Size	0.946 acres (41,251 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Nov 2021)
Deeds & Mortgages	Nov 2021 Transfer Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-13-378-014`

Property Details

APN / Parcel Number

Primary APN	`19-13-378-014`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,683 sqft
Gross Area	3,852 sqft
1st Floor Area	1,169 sqft
2nd Floor Area	1,514 sqft

Exterior

Year Built	Built 1965
Architectural Style	Colonial
Exterior Material	Frame Siding
Lot Area	41,251 sqft (0.946 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	40 CAHILL RD
City	TROUT VALLEY
State	IL
Zip	60013-2604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0060008 LT 40 /EX NELY PT/ TROUT VALLEY DIVISION D
Legal Range	08E
Legal Township	43N
Legal Section	13
Legal Subdivision	EX NELY PT TROUT VALLEY DIVISION
Legal Block	378
Legal Lot Number	40
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2008
Census Tract	871600

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	40 CAHILL RD, TROUT VALLEY, IL 60013-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 4, 2021	Warranty Deed, Transfer · Conventional Mortgage WATERMAN BANK
Dec 9, 2019	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2021 · Amount on Record
Deed Sale	Nov 4, 2021 · Amount on Record
Prior Sale	Nov 4, 2021 · Amount on Record
Deed Document Number	WARRANTY DEED
Record Updated	Jun 7, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Nov 4, 2021
Property Address	40 CAHILL RD, TROUT VALLEY, IL 60013-2604
Document Number	0000060008
Map Reference	DOC311055MB12PG60
Instrument Date	Sep 10, 2021
Instrument	2021R0060008
Transaction Type	Transfer
Record Updated	Nov 15, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

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
Address	40 CAHILL RD, TROUT VALLEY, IL 60013-2604

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 4, 2021
Property Address	40 CAHILL RD, TROUT VALLEY, IL 60013-2604
Document Number	0000059960
Map Reference	DOC311055MB12PG60
Instrument Date	Jul 23, 2021
Instrument	2021R0059960
Transaction Type	Transfer
Record Updated	Nov 15, 2021
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 TURKEY HILL RD, TROUT VALLEY, IL 60013-2437

Mortgage

Document Number	0000059961
Date	Nov 4, 2021
Instrument	2021R0059961

Lender

Name	WATERMAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	40 CAHILL RD, TROUT VALLEY, IL 60013-2604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042163
Date	Dec 9, 2019
Instrument	2019R0042163

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Trout Valley 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	$142,848 Land $34,270 Building $108,578	$428,544 Land $102,810 Building $325,734

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	3 in force
Nearby Flood Claims	6 (1979–2022)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Feb 2022 · 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

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.

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 156 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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