McHenry County property record for 471 Lloyd St, Cary, IL 60013
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,440 sqft · built 1960 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $168,000 (Sep 2008) |
| Tax Bill | $5,349 (2024) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-12-328-003 |
| Primary APN | 19-12-328-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 471 LLOYD ST |
|---|---|
| City | CARY |
| State | IL |
| Zip | 60013-2129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2008R0047063 LT 48 SUN VALLEY ADDN 2ND ADDN |
| Legal Subdivision | SUN VALLEY ADDN 2ND ADDN |
| Legal Block | 328 |
| Legal Lot Number | 48 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 871305 |
471 Lloyd St is owned and occupied by two individuals who bought it in September 2008.
Source: McHenry County records, as of August 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 471 LLOYD ST, CARY, IL 60013-2129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 14, 2019 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2008 · Amount on File |
| Deed Sale | Sep 3, 2008 · Amount on File |
| Prior Sale | Apr 20, 1998 · Amount on File |
| Deed Document Number | 200847063 |
| Prior Transfer Date | Dec 13, 2001 |
| Prior Transfer Doc | 0000005793 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jul 31, 2026 |
| Property Address | 471 LLOYD ST, CARY, IL 60013-2129 |
| Document Number | 0000022010 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 202622010 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 471 LLOYD ST, CARY, IL 60013-2129 |
| Document Number | 0000022010, |
|---|---|
| Date | Jul 31, 2026 |
| Instrument | 202622010 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 8.13% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 471 LLOYD ST, CARY, IL 60013-2129 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000039131 |
|---|---|
| Date | Nov 14, 2019 |
| Instrument | 2019R0039131 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 12, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.84% |
| Change Frequency | Monthly |
Source: McHenry County assessment roll, as of March 27, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $5,349.00 | $71,527 Land $16,835 Building $54,692 | $214,581 Land $50,505 Building $164,076 |
| 2022 | Homeowner's exemption | $54,873 Land $16,863 Building $38,010 | $164,619 Land $50,589 Building $114,030 |
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.
FEMA maps place 471 Lloyd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
The area around 471 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.
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 |
| 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.
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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