McHenry County property record for 581 W Main St, Cary, IL 60013
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,593 sqft · built 1942 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on File |
| Deeds & Mortgages | Jun 2017 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-13-176-001 |
| Primary APN | 19-13-176-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,593 sqft |
| Gross Area | 2,731 sqft |
| 1st Floor Area | 1,593 sqft |
| Year Built | Built 1942 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Frame Siding |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 198 ft deep x 99 ft wide |
| Heating System | Hot Water |
|---|
| Street Address | 581 W MAIN ST |
|---|---|
| City | CARY |
| State | IL |
| Zip | 60013-2016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 88R041688 LT 10 BLK 1 SMITHS 1ST ADDN |
| Legal Range | 08E |
| Legal Township | 43N |
| Legal Section | 13 |
| Legal Subdivision | SMITHS 1ST ADD |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 871600 |
581 W Main St is owned and occupied by an individual.
Source: McHenry County records, as of May 13, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 581 W MAIN ST, CARY, IL 60013-2016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 16, 2017 | Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA |
| Mar 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 581 W MAIN ST, CARY, IL 60013-2016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000021834 |
|---|---|
| Date | Jun 16, 2017 |
| Instrument | 2017R0021834 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 581 W MAIN ST, CARY, IL 60013-2016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CITYWIDE TITLE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0000008705 |
|---|---|
| Date | Mar 11, 2020 |
| Instrument | 2020R0008705 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2050 |
Source: McHenry County assessment roll, as of January 1, 2022
| 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 |
|---|---|---|---|
| 2022 | Homeowner's exemption | $73,187 Land $17,575 Building $55,612 | $219,561 Land $52,725 Building $166,836 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 581 W Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 | 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.
The area around 581 W Main 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 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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