574 Ada St, Cary, IL 60013 Property Records

McHenry County property record for 574 Ada St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,800 sqft · built 1984
Lot Size	0.375 acres (16,335 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Oct 2022)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-13-176-011`

Property Details

APN / Parcel Number

Primary APN	`19-13-176-011`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,800 sqft
1st Floor Area	1,164 sqft
2nd Floor Area	636 sqft

Exterior

Year Built	Built 1984
Architectural Style	Cape Cod
Exterior Material	Frame Siding
Lot Area	16,335 sqft (0.375 acres)
Lot Dimensions	165 ft deep x 99 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	574 ADA ST
City	CARY
State	IL
Zip	60013-2514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2022R0036706 LT 12 BLK 1 SMITHS 2ND ADDN
Legal Range	08E
Legal Township	43N
Legal Section	13
Legal Subdivision	SMITHS 2ND ADD
Legal Block	1
Legal Lot Number	12
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1001
Census Tract	871600

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
Mailing Address	574 ADA ST, CARY, IL 60013-2514
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jun 30, 2022	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 13, 2017	Deed of Trust, Mortgage · Closed-End Mortgage BMO HARRIS BANK NA
Oct 4, 2017	Deed of Trust, Mortgage · Commercial Mortgage BMO HARRIS BANK NA
Feb 25, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2022 · Amount on Record
Deed Sale	Oct 28, 2022 · Amount on Record
Prior Sale	Jun 30, 2022 · Amount on Record
Deed Document Number	2022R0036706
Record Updated	Jun 7, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Oct 28, 2022
Property Address	574 ADA ST, CARY, IL 60013-2514
Document Number	0000036706
Map Reference	DOC 1895R0015975
Instrument Date	Oct 20, 2022
Instrument	2022R0036706
Transaction Type	Transfer
Record Updated	Nov 8, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1911 N HUMBOLDT BLVD APT 3, 3, CHICAGO, IL 60647-9760

Mortgage

Document Number	0000036707
Date	Oct 28, 2022
Instrument	2022R0036707

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate
Rate	7.12%

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 30, 2022
Property Address	574 ADA ST, CARY, IL 60013-2514
Document Number	0000023380
Map Reference	MB 1 PG 58
Instrument Date	Jun 17, 2022
Instrument	2022R0023380
Transaction Type	Transfer
Record Updated	Jul 11, 2022
Title Company	NOT AVAILABLE, CT

Transaction

Amount	Amount Recorded
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
Address	574 ADA ST, 574, CARY, IL 60013-2514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	574 ADA ST # A, A, CARY, IL 60013-2514

Mortgage

Document Number	0000023381
Date	Jun 30, 2022
Instrument	2022R0023381

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.12%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	574 ADA ST, CARY, IL 60013-2514
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038031
Date	Oct 13, 2017
Instrument	2017R0038031

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 2, 2032

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	574 ADA ST, CARY, IL 60013-2514
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036948
Date	Oct 4, 2017
Instrument	2017R0036948

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2047

Interest

Rate	4.09%

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Feb 25, 2020
Property Address	574 ADA ST, CARY, IL 60013-2514
Document Number	0000006601
Instrument Date	Feb 1, 2020
Instrument	6601
Transaction Type	Transfer
Record Updated	Mar 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	574 ADA ST CARY IL 600132514, CARY, IL 60013-2514

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	$88,102 Land $16,863 Building $71,239	$264,306 Land $50,589 Building $213,717

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
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

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 359 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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