435 Lloyd St, Cary, IL 60013 Property Records

McHenry County property record for 435 Lloyd St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,064 sqft · built 1960
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Nov 2018)
Tax Bill	$6,055 (2024)
Deeds & Mortgages	Aug 2023 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-12-403-001`

Property Details

APN / Parcel Number

Primary APN	`19-12-403-001`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,040 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	435 LLOYD ST
City	CARY
State	IL
Zip	60013-2129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2018R0040473 LT 54 SUN VALLEY ADDN 2ND ADDN
Legal Subdivision	SUN VALLEY ADDN 2ND ADDN
Legal Block	403
Legal Lot Number	54
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2003
Census Tract	871305

Owner

435 Lloyd St is owned and occupied by an individual who bought it in November 2018.

Source: McHenry County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	435 LLOYD ST, CARY, IL 60013-2129
Occupancy	Owner Occupied
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
Aug 24, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Nov 29, 2018	Warranty Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2018 · Amount on File
Deed Sale	Nov 29, 2018 · Amount on File
Prior Sale	Aug 1, 2014 · Amount on File
Deed Document Number	201840473
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	435 LLOYD ST, CARY, IL 60013-2129
Transaction Type	Mortgage
Record Updated	Sep 6, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 LLOYD ST, CARY, IL 60013-2129

Mortgage

Document Number	0000020964
Date	Aug 24, 2023
Instrument	2023R0020964

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Aug 1, 2063

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 29, 2018
Property Address	435 LLOYD ST, CARY, IL 60013-2129
Document Number	0000040473
Map Reference	DOC339323 MB13 PG53
Instrument Date	Oct 26, 2018
Instrument	2018R0040473
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	BURNET TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 LLOYD ST, CARY, IL 60013-2129

Mortgage

Document Number	0000040474
Date	Nov 29, 2018
Instrument	2018R0040474

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Mortgage

Document Number	0000040475
Date	Nov 29, 2018
Instrument	2018R0040475

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

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	$6,055.00	$79,908 Land $16,862 Building $63,046	$239,724 Land $50,586 Building $189,138
2022	Homeowner's exemption	$61,827 Land $16,863 Building $44,964	$185,481 Land $50,589 Building $134,892

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 435 Lloyd 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 435 Lloyd 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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