415 Alma Ter, Cary, IL 60013 Property Records

McHenry County property record for 415 Alma Ter, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,428 sqft · built 1957
Lot Size	0.165 acres (7,200 sqft)
Owner	Company Name on File
Last Sale	$163,500 (Mar 2003)
Tax Bill	$5,247 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`19-12-455-004`

Property Details

APN / Parcel Number

Primary APN	`19-12-455-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	415 ALMA TER
City	CARY
State	IL
Zip	60013-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0044211 LT 10 ARROWHEAD ADDN
Legal Subdivision	ARROWHEAD ADDN
Legal Block	455
Legal Lot Number	10
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2013
Census Tract	871305

Owner

Source: McHenry County assessment roll, 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	Company Name on File
Mailing Address	27 N WACKER DR, CHICAGO, IL 60606-2800
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Warranty Deed, Transfer · Conventional Mortgage US BANK
Feb 2, 2021	Deed of Trust, Mortgage · Line of Credit METROPOLITAN LIFE INSURANCE CO
Apr 25, 2023	Deed of Trust, Mortgage · Commercial Mortgage METROPOLITAN LIFE INSURANCE CO
Dec 24, 2019	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE GUARANTY CO
Mar 20, 2018	Quit Claim Deed, Construction Loan · Construction Mortgage MORGAN STANLEY ASSET FNDG
May 15, 2017	Grant Deed, Transfer OTHER INSTITUTIONAL LENDERS
Mar 3, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 3, 2003 · Amount on Record
Deed Sale	Mar 3, 2003 · Amount on Record
Prior Sale	May 15, 1995 · Amount on Record
Deed Document Number	200327232
Last Transfer Date	Oct 20, 2005
Transfer Doc	0000099590
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jul 27, 2026
Property Address	415 ALMA TER, CARY, IL 60013-2103
Document Number	0000021502
Instrument Date	Jul 20, 2026
Instrument	202621502
Transaction Type	Transfer
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$45,828.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1402 ELK TRL, CARY, IL 60013-6005

Mortgage

Document Number	0000021503,
Date	Jul 27, 2026
Instrument	202621503

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.99%
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	415 ALMA TER, CARY, IL 60013-2103
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006037
Date	Feb 2, 2021
Instrument	2021R0006037

Lender

Name	METROPOLITAN LIFE INSURANCE CO
Type	Insurance Company
Address	WHIPPANY, NJ 07981

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	415 ALMA TER, CARY, IL 60013-2103
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009265
Date	Apr 25, 2023
Instrument	2023R0009265

Lender

Name	METROPOLITAN LIFE INSURANCE CO
Type	Insurance Company

Agreement

Type	Commercial Mortgage

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Dec 24, 2019
Property Address	415 ALMA TER, CARY, IL 60013-2103
Document Number	0000044211
Instrument Date	Dec 6, 2019
Instrument	44211
Transaction Type	Transfer
Record Updated	Jan 15, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	27 N WACKER #435 CITY OF CHICAGO IL, 435, CITY OF CHICAGO, IL

March 2018: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 20, 2018
Property Address	415 ALMA TER, CARY, IL 60013-2103
Document Number	0000008725
Instrument Date	Mar 14, 2018
Instrument	8725
Transaction Type	Construction Loan
Record Updated	Apr 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	111 S WACKER DR #4730 CHICAGO IL 606064719, 4730, CHICAGO, IL 60606-4719

Mortgage

Document Number	8726
Date	Mar 20, 2018
Instrument	8726

Lender

Name	MORGAN STANLEY ASSET FNDG
Type	Funding / Finance Company
Address	1585 BROADWAY # 25TH, NEW YORK, NY 10036-8200

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCHENRY IL
Recording Date	May 15, 2017
Property Address	415 ALMA TER, CARY, IL 60013-2103
Document Number	0000017299
Instrument Date	Apr 24, 2017
Instrument	17299
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE CO

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	626 W RANDOLPH ST #1 CHICAGO IL 606612213, 1, CHICAGO, IL 60661-2213
Investor	Possibly a Property Investor

Mortgage

Document Number	17300
Date	May 15, 2017
Instrument	17300

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Funding / Finance Company
Address	1920 MAIN ST # 850, IRVINE, CA 92614-7285

Agreement

Amount	Amount Recorded

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 3, 2017
Property Address	415 ALMA TER, CARY, IL 60013-2103
Document Number	0000007866
Instrument Date	Dec 11, 2015
Instrument	7866
Transaction Type	Foreclosure
Record Updated	May 23, 2017
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
Address	1 S WACKER DR #1400 CHICAGO IL 606065600, 1400, CHICAGO, IL 60606-5600
Investor	Possibly a Property Investor

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
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
2024	$5,247.00	$62,310 (+28.91%) Land $14,236 Building $48,074	$186,930 (+28.91%) Land $42,708 Building $144,222
2022		$48,335 Land $13,837 Building $34,498	$145,005 Land $41,511 Building $103,494

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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