1040 White Pine Dr, Cary, IL 60013 Property Records

McHenry County property record for 1040 White Pine Dr, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,736 sqft · built 1999
Lot Size	0.492 acres (21,420 sqft)
Owner	2 Individual Names on Record
Last Sale	$379,000 (Sep 1999)
Tax Bill	$13,445 (2024)
Deeds & Mortgages	Mar 2026 Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-07-277-009`

Property Details

APN / Parcel Number

Primary APN	`20-07-277-009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,736 sqft Living Area
1st Floor Area	1,405 sqft
Basement Area	1,385 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Lot Area	21,420 sqft (0.492 acres)
Lot Dimensions	180 ft deep x 119 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1040 WHITE PINE DR
City	CARY
State	IL
Zip	60013-3160
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2023R0012616 LT 11 WHITE OAKS SUB
Legal Subdivision	WHITE OAKS SUB
Legal Lot Number	11
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3030
Census Tract	871305

Owner

Source: McHenry County records, as of April 7, 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	1040 WHITE PINE DR, CARY, IL 60013-3160
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 31, 2023	Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
May 18, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 1999 · Amount on Record
Deed Sale	Sep 22, 1999 · Amount on Record
Deed Document Number	199966626
Last Transfer Date	May 5, 2018
Transfer Doc	0000016212
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	1040 WHITE PINE DR, CARY, IL 60013-3160
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 WHITE PINE DR, CARY, IL 60013-3160

Mortgage

Document Number	0000007803
Date	Mar 25, 2026
Instrument	2026R0007803

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	May 31, 2023
Property Address	1040 WHITE PINE DR, CARY, IL 60013-3160
Document Number	0000012616
Map Reference	DOC 98R00052325
Instrument Date	May 23, 2023
Instrument	2023R0012616
Transaction Type	Transfer
Record Updated	Jun 14, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 WHITE PINE DR, CARY, IL 60013-3160

Mortgage

Document Number	0000012617
Date	May 31, 2023
Instrument	2023R0012617

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.99%

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	May 18, 2018
Property Address	1040 WHITE PINE DR, CARY, IL 60013-3160
Document Number	0000016212
Instrument Date	May 5, 2018
Instrument	16212
Transaction Type	Transfer
Record Updated	May 28, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1040 WHITE PINE DR CARY IL 600133160, CARY, IL 60013-3160

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	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
2024	$13,445.00	$167,659 (+9.49%) Land $34,985 Building $132,674	$502,977 (+9.49%) Land $104,955 Building $398,022
2022	Homeowner's exemption	$153,123 Land $37,418 Building $115,705	$459,369 Land $112,254 Building $347,115

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 99.1% of the US · lower than 94% 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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