516 W Main St, Cary, IL 60013 Property Records

McHenry County property record for 516 W Main St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,388 sqft · built 1924
Lot Size	0.454 acres (19,800 sqft)
Owner	Company Name on File
Last Sale	$342,000 (Apr 2023)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-13-129-021`

Property Details

APN / Parcel Number

Primary APN	`19-13-129-021`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,388 sqft
Gross Area	2,776 sqft
1st Floor Area	1,388 sqft

Exterior

Year Built	Built 1924
Architectural Style	Cape Cod
Exterior Material	Frame Siding
Lot Area	19,800 sqft (0.454 acres)
Lot Dimensions	150 ft deep x 132 ft wide

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	516 W MAIN ST
City	CARY
State	IL
Zip	60013-2017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0008422 LTS 18 & 19 KRENZ ADDN MEMO: FRANCIS, JOSEPH/CAROL JNT TEN TR
Legal Range	08E
Legal Township	43N
Legal Section	13
Legal Subdivision	KRENZ ADD
Legal Block	129
Legal Lot Number	18-19 19
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3013
Census Tract	871600

Owner

516 W Main St is owned by a company that bought it in April 2023 and is owner-occupied.

Source: McHenry County records, as of August 7, 2023

Owner of Record	Company Name on File
Mailing Address	36 OAK VALLEY DR, CARY, IL 60013-1541
Occupancy	Owner Occupied
Owner Type	Company

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
Oct 6, 2025	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 12, 2023	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 10, 2020	Quit Claim Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Dec 19, 2019	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2023 · Amount on File
Deed Sale	Apr 12, 2023 · Amount on File
Prior Sale	Mar 10, 2020
Deed Document Number	2023R0008143
Record Updated	Jun 7, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	516 W MAIN ST, CARY, IL 60013-2017
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 W MAIN ST, CARY, IL 60013-2017

Mortgage

Document Number	0000027561
Date	Oct 6, 2025
Instrument	2025R0027561

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	5.25%

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 12, 2023
Property Address	516 W MAIN ST, CARY, IL 60013-2017
Document Number	0000008143
Map Reference	DOC 51585
Instrument Date	Apr 5, 2023
Instrument	2023R0008143
Transaction Type	Transfer
Record Updated	Apr 24, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$342.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 OAK VALLEY DR, CARY, IL 60013-1541

Mortgage

Document Number	0000008144
Date	Apr 12, 2023
Instrument	2023R0008144

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.25%

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 10, 2020
Property Address	516 W MAIN ST, CARY, IL 60013-2017
Document Number	0000008422
Instrument Date	Mar 9, 2020
Instrument	8422
Transaction Type	Transfer
Record Updated	Apr 6, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	516 W MAIN ST CARY IL 600132017, CARY, IL 60013-2017

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Dec 19, 2019
Property Address	516 W MAIN ST, CARY, IL 60013-2017
Document Number	0000043607
Instrument Date	Dec 4, 2019
Instrument	2019R0043607
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	CT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
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	516 W MAIN ST, CARY, IL 60013-2017

Mortgage

Document Number	0000043608
Date	Dec 19, 2019
Instrument	2019R0043608

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2040

Interest

Rate Type	Fixed Rate
Rate	3.62%

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	$67,941 Land $25,299 Building $42,642	$203,823 Land $75,897 Building $127,926

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 516 W Main St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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 Claims	6 (1979–2013)
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms & Flooding, Oct 1986 · 2 claims

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

Wildfire risk around 516 W Main St is low, with less than a 0.01% annual chance of 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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