7204 Owl Way, Cary, IL 60013 Property Records

McHenry County property record for 7204 Owl Way, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,256 sqft · built 2003
Lot Size	0.589 acres (25,700 sqft)
Owner	Individual Name on Record
Last Sale	$484,000 (Dec 2020)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-07-131-004`

Property Details

APN / Parcel Number

Primary APN	`20-07-131-004`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,256 sqft
Gross Area	4,792 sqft
1st Floor Area	1,536 sqft
2nd Floor Area	1,720 sqft

Exterior

Year Built	Built 2003
Exterior Material	Frame Siding
Lot Area	25,700 sqft
Lot Dimensions	225 ft deep x 115 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	7204 OWL WAY
City	CARY
State	IL
Zip	60013-6028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0051976 LT 129 NORTHWOOD ACRES
Legal Range	09E
Legal Township	43N
Legal Section	07
Legal Subdivision	NORTHWOOD ACRES
Legal Block	131
Legal Lot Number	129
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3025
Census Tract	871305

Owner

Source: McHenry County records, as of June 23, 2023

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
Co-owner	Co-owner on Record
Mailing Address	7204 OWL WAY, CARY, IL 60013-6028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Dec 1, 2020	Deed, Transfer · VA Mortgage NAVY FCU
Jan 17, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2020 · Amount on Record
Deed Sale	Dec 1, 2020 · Amount on Record
Prior Sale	Jan 17, 2017
Deed Document Number	2020R0051976
Record Updated	Jun 7, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	7204 OWL WAY, CARY, IL 60013-6028
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ALTIMO TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054781
Date	Dec 14, 2020
Instrument	2020R0054781

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate	2.75%

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Dec 1, 2020
Property Address	7204 OWL WAY, CARY, IL 60013-6028
Document Number	0000051976
Map Reference	DOC 93R028550
Instrument Date	Nov 18, 2020
Instrument	2020R0051976
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	ALTIMA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$484.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1160 S MICHIGAN AVE APT 1004, 1004, CHICAGO, IL 60605-2777

Mortgage

Document Number	0000051977
Date	Dec 1, 2020
Instrument	2020R0051977

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Jan 17, 2017
Property Address	7204 OWL WAY, CARY, IL 60013-6028
Document Number	0000001874
Instrument Date	Dec 19, 2016
Instrument	1874
Transaction Type	Transfer
Record Updated	Apr 14, 2017
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	Living Trust
Address	702 OWL WAY CARY IL 60013, CARY, IL 60013

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
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	Disabled Person's exemption Veteran's exemption	$165,923 Land $39,780 Building $126,143	$497,769 Land $119,340 Building $378,429

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
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	4 (2013–2026)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2026 · river or lake flooding

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 98% of the US · lower than 86% 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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: Verizon.

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