53 Bluff Rd, Trout Valley (Cary), IL 60013 Property Records

McHenry County property record for 53 Bluff Rd, Trout Valley, IL 60013

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,025 sqft · built 1973
Lot Size	1.69 acres (73,832 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Jun 2020)
Tax Bill	$14,387 (2024)
Deeds & Mortgages	May 2026 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-24-129-002`

Property Details

APN / Parcel Number

Primary APN	`19-24-129-002`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	5,025 sqft Living Area
1st Floor Area	2,792 sqft
Basement Area	2,792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	73,832 sqft (1.69 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	53 BLUFF RD
City	TROUT VALLEY
State	IL
Zip	60013-2602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0022630 LT 53 TROUT VALLEY DIVISION E
Legal Subdivision	TROUT VALLEY DIVISION
Legal Block	129
Legal Lot Number	53
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2009
Census Tract	871600

Owner

Source: McHenry County records, as of June 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	53 BLUFF RD, TROUT VALLEY, IL 60013-2602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK
Jun 22, 2020	Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2020 · Amount on Record
Deed Sale	Jun 22, 2020 · Amount on Record
Prior Sale	Mar 20, 2007 · Amount on Record
Deed Document Number	202022630
Prior Transfer Date	Mar 9, 2007
Prior Transfer Doc	0000018734
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Recording Date	May 21, 2026
Property Address	53 BLUFF RD, TROUT VALLEY, IL 60013-2602
Document Number	0000014084
Instrument Date	May 15, 2026
Instrument	202614084
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	53 BLUFF RD, TROUT VALLEY, IL 60013-2602

Mortgage

Document Number	0000014084,
Date	May 21, 2026
Instrument	202614084

Lender

Name	BMO HARRIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 22, 2020
Property Address	53 BLUFF RD, TROUT VALLEY, IL 60013-2602
Document Number	0000022630
Map Reference	DOC306547MB12PG69
Instrument Date	May 4, 2020
Instrument	2020R0022630
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	53 BLUTT RD, CARY, IL 60013

Mortgage

Document Number	0000022631
Date	Jun 22, 2020
Instrument	2020R0022631

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

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	Trout Valley 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	$14,387.00	$179,974 (+24.42%) Land $32,290 Building $147,684	$539,922 (+24.42%) Land $96,870 Building $443,052
2022	Homeowner's exemption	$144,649 Land $36,689 Building $107,960	$433,947 Land $110,067 Building $323,880

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1979–2022)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Feb 2022 · 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	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 156 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	100 / 20

May also be available: Verizon.

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