McHenry County property record for 406 E Main St Rd, Cary, IL 60013 · Last verified May 2024
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $460,000 (Nov 2022) |
| Deeds & Mortgages | Feb 2026 Mortgage May 2023 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-17-201-008 |
| Primary APN | 20-17-201-008 |
|---|
| Lot Area | 87,120 sqft (2 acres) |
|---|---|
| Lot Dimensions | 495 ft deep x 165 ft wide |
| Street Address | 406 E MAIN STREET RD |
|---|---|
| City | CARY |
| State | IL |
| Zip | 60013-2954 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2023R0002807 E 165FT W 825FT S 528FT NW1/4 NE1/4 |
| Legal Range | 09E |
| Legal Township | 43N |
| Legal Section | 17 |
| Legal Block | 201 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 871307 |
Source: McHenry County records · APN 20-17-201-008
Assessment roll updated January 1, 2022 · Last verified May 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 406 E MAIN STREET RD, CARY, IL 60013-2954 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage OLD SECOND NATIONAL BANK |
| May 25, 2023 | Deed of Trust, Mortgage · Construction Mortgage CIBM BANK |
| Feb 07, 2023 | Intrafamily Transfer, Transfer |
| Nov 09, 2022 | Warranty Deed, Construction Loan · Construction Mortgage INLAND BANK & TRUST |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 09, 2022 · Amount on Record |
| Deed Sale | Nov 09, 2022 · Amount on Record |
| Prior Sale | Nov 09, 2022 · Amount on Record |
| Deed Document Number | 0000037826 |
| Last Transfer Date | Feb 07, 2023 |
| Transfer Doc | 0000002807 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 406 E MAIN STREET RD, CARY, IL 60013-2954 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2026 |
| Title Company | LAKESHORE TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000005024 |
|---|---|
| Date | Feb 25, 2026 |
| Instrument | 2026R0005024 |
| Name | OLD SECOND NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | AURORA, IL 60506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 01, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 7.37% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 406 E MAIN STREET RD, CARY, IL 60013-2954 |
| Transaction Type | Mortgage |
| Record Updated | Jun 07, 2023 |
| Title Company | LAKESHORE TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000012245 |
|---|---|
| Date | May 25, 2023 |
| Instrument | 2023R0012245 |
| Name | CIBM BANK |
|---|---|
| Type | Bank |
| Address | NAPERVILLE, IL 60563 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | May 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.62% |
| Max Rate At Change | 11.2% |
| Index | 1-Year CMT |
| Max Rate | 11.2% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Feb 07, 2023 |
| Property Address | 406 E MAIN STREET RD, CARY, IL 60013-2954 |
| Document Number | 0000002807 |
| Instrument Date | Oct 24, 2022 |
| Instrument | 2023R0002807 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 406 E MAIN STREET RD, CARY, IL 60013-2954 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Nov 09, 2022 |
| Property Address | 406 E MAIN STREET RD, CARY, IL 60013-2954 |
| Document Number | 0000037826 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 2022R0037826 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 18, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $460.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1401 STAG TRL, CARY, IL 60013-6008 |
| Document Number | 0000037827 |
|---|---|
| Date | Nov 09, 2022 |
| Instrument | 2022R0037827 |
| Name | INLAND BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Nov 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.5% |
Source: McHenry County records · Assessment roll updated January 1, 2022 · Last verified May 2024
| 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) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2022 | $33,361 Land $31,153 Building $2,208 | $100,083 Land $93,459 Building $6,624 |
Source: FEMA National Flood Hazard Layer, McHenry County (17111C), updated February 28, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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