431 Park Ave, Cary, IL 60013 Property Records

McHenry County property record for 431 Park Ave, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,783 sqft · built 1997
Lot Size	0.087 acres (3,832 sqft)
Owner	Individual Name on Record
Last Sale	$241,000 (Jul 2021)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-12-456-015`

Property Details

APN / Parcel Number

Primary APN	`19-12-456-015`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,783 sqft
Gross Area	2,561 sqft
1st Floor Area	778 sqft
2nd Floor Area	1,005 sqft

Exterior

Year Built	Built 1997
Exterior Material	Frame Siding
Lot Area	3,832 sqft (0.087 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	431 PARK AVE
City	CARY
State	IL
Zip	60013-2738
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0040270 LT 2 VILLA CAPRICE TOWNHOME SUB
Legal Range	08E
Legal Township	43N
Legal Section	12
Legal Subdivision	VILLA CAPRICE TOWNHOME
Legal Block	456
Legal Lot Number	2
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3021
Census Tract	871307

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	1258 BERKSHIRE LN, BARRINGTON, IL 60010-6507
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Sep 14, 2018	Deed of Trust, Mortgage · VA Mortgage CMG MORTGAGE INC
Dec 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2021 · Amount on Record
Deed Sale	Jul 23, 2021 · Amount on Record
Prior Sale	Oct 15, 2013 · Amount on Record
Deed Document Number	WARRANTY DEED
Record Updated	Jun 7, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jul 23, 2021
Property Address	431 PARK AVE, CARY, IL 60013-2738
Document Number	0000040270
Map Reference	DOC 97R056770
Instrument Date	Jul 3, 2021
Instrument	2021R0040270
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$241.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1258 BERKSHIRE LN, BARRINGTON, IL 60010-6507

Mortgage

Document Number	0000040271
Date	Jul 23, 2021
Instrument	2021R0040271

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	431 PARK AVE, CARY, IL 60013-2738
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CARRINGTON TITLE PARTNERS LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031598
Date	Sep 14, 2018
Instrument	2018R0031598

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	431 PARK AVE, CARY, IL 60013-2738
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042739
Date	Dec 12, 2019
Instrument	2019R0042739

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2049

Interest

Rate	5.37%

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	Assessed Value	Assessed Market Value
2022	$72,276 Land $7,001 Building $65,275	$216,828 Land $21,003 Building $195,825

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2004)
Most Recent Claim	Sep 2004 · rainfall accumulation

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

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 341 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 · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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