108 Pine Cir, Cary, IL 60013 Property Records

McHenry County property record for 108 Pine Cir, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,574 sqft · built 1983
Lot Size	0.084 acres (3,666 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Mar 2019)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-12-101-045`

Property Details

APN / Parcel Number

Primary APN	`19-12-101-045`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,574 sqft
1st Floor Area	548 sqft
2nd Floor Area	1,026 sqft

Exterior

Year Built	Built 1983
Exterior Material	Frame Siding
Lot Area	3,666 sqft (0.084 acres)
Lot Dimensions	94 ft deep x 39 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	108 PINE CIR
City	CARY
State	IL
Zip	60013-1549
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0007374 LT 121 BRIGHT OAKS UNIT 3 PHASE 2
Legal Range	08E
Legal Township	43N
Legal Section	12
Legal Subdivision	BRIGHT OAKS 03 PH 02
Legal Phase	2
Legal Block	101
Legal Lot Number	121
Legal Unit	3
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1022
Census Tract	871304

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
Co-owner	Co-owner on Record
Mailing Address	108 PINE CIR, CARY, IL 60013-1549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 8, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Mar 20, 2019	Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2019 · Amount on Record
Deed Sale	Mar 20, 2019 · Amount on Record
Prior Sale	May 12, 2009
Deed Document Number	DEED IN TRUST
Record Updated	Jun 7, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	108 PINE CIR, CARY, IL 60013-1549
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010168
Date	Mar 18, 2022
Instrument	2022R0010168

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, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	108 PINE CIR, CARY, IL 60013-1549
Document Number	0000026494
Instrument Date	Jul 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 PINE CIR CARY IL 600131549, CARY, IL 60013-1549

Mortgage

Document Number	0000026494
Date	Jul 15, 2020
Instrument	26494

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2050

Interest

Rate	3.75%

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 20, 2019
Property Address	108 PINE CIR, CARY, IL 60013-1549
Document Number	0000007374
Map Reference	DOC 72409
Instrument Date	Mar 15, 2019
Instrument	2019R0007374
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	108 PINE CIR, CARY, IL 60013-1549

Mortgage

Document Number	0000007375
Date	Mar 20, 2019
Instrument	2019R0007375

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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	$54,914 Land $10,431 Building $44,483	$164,742 Land $31,293 Building $133,449

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (2001–2013)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jun 2013 · 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	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 189 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

May also be available: Verizon.

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