65 Bluff Ct, Trout Valley (Cary), IL 60013 Property Records

McHenry County property record for 65 Bluff Ct, Trout Valley, IL 60013

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 7,752 sqft · built 1963
Lot Size	1.09 acres (47,667 sqft)
Owner	Company Name on Record
Last Sale	$410,000 (Jul 1996)
Tax Bill	$20,142 (2024)
Deeds & Mortgages	Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-24-129-024`

Property Details

APN / Parcel Number

Primary APN	`19-24-129-024`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	7,752 sqft Living Area
1st Floor Area	6,195 sqft
Basement Area	2,222 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Brick Veneer
Lot Area	47,667 sqft (1.09 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	65 BLUFF CT
City	TROUT VALLEY
State	IL
Zip	60013-2601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2013R0055201 LT 65 /EX TRI PC W SIDE/ TROUT VALLEY DIVISION E
Legal Subdivision	TROUT VALLEY DIVISION
Legal Block	129
Legal Lot Number	65
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2009
Census Tract	871600

Owner

Source: McHenry County records, as of March 27, 2026

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

Owner of Record	Company Name on Record
Mailing Address	65 BLUFF CT, TROUT VALLEY, IL 60013-2601
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 1996 · Amount on Record
Deed Sale	Jul 22, 1996 · Amount on Record
Prior Transfer Date	Jul 19, 1996
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	65 BLUFF CT, TROUT VALLEY, IL 60013-2601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021288
Date	Jun 13, 2017
Instrument	2017R0021288

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jul 1, 2022
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

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	$20,142.00	$259,968 (+20.55%) Land $30,456 Building $229,512	$779,904 (+20.55%) Land $91,368 Building $688,536
2022	Homeowner's exemption	$215,655 Land $34,604 Building $181,051	$646,965 Land $103,812 Building $543,153

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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