445 Lloyd St, Cary, IL 60013 Property Records

McHenry County property record for 445 Lloyd St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	2 ba · 960 sqft · built 1960
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$255,500 (Oct 2021)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-12-328-007`

Property Details

APN / Parcel Number

Primary APN	`19-12-328-007`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft
Gross Area	1,920 sqft
1st Floor Area	960 sqft

Exterior

Year Built	Built 1960
Architectural Style	Ranch
Exterior Material	Frame Siding
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	445 LLOYD ST
City	CARY
State	IL
Zip	60013-2129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0053902 LT 52 SUN VALLEY ADDN 2ND ADDN MEMO: VON MEDVEY, STANLEY ALFRED/ VARITEK, JOAN MARIE
Legal Range	08E
Legal Township	43N
Legal Section	12
Legal Subdivision	SUN VALLEY ADD
Legal Block	328
Legal Lot Number	52
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2003
Census Tract	871305

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	445 LLOYD ST, CARY, IL 60013-2129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Mar 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2021 · Amount on Record
Deed Sale	Oct 4, 2021 · Amount on Record
Prior Sale	Oct 27, 1995 · Amount on Record
Deed Document Number	0000053902
Record Updated	Jun 7, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Oct 4, 2021
Property Address	445 LLOYD ST, CARY, IL 60013-2129
Document Number	0000053902
Instrument Date	Oct 4, 2021
Instrument	2021R0053902
Transaction Type	Transfer
Record Updated	Oct 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	445 LLOYD ST, CARY, IL 60013-2129

Mortgage

Document Number	0000053903
Date	Oct 4, 2021
Instrument	2021R0053903

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	445 LLOYD ST, CARY, IL 60013-2129
Document Number	0000009006
Instrument Date	Mar 11, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 LLOYD ST CARY IL 600132129, CARY, IL 60013-2129

Mortgage

Document Number	0000009006
Date	Apr 4, 2019
Instrument	9006

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	GURNEE, IL 60031-1811

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 3, 2029

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	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$63,909 Land $16,863 Building $47,046	$191,727 Land $50,589 Building $141,138

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 A, 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	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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