109 Cherry St, Cary, IL 60013 Property Records

McHenry County property record for 109 Cherry St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	1 ba · 784 sqft · built 1958
Lot Size	0.221 acres (9,656 sqft)
Owner	Individual Name on Record
Last Sale	$143,000 (Jan 2018)
Deeds & Mortgages	Jul 2026 Transfer Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-18-155-007`

Property Details

APN / Parcel Number

Primary APN	`20-18-155-007`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	784 sqft
Gross Area	1,552 sqft
1st Floor Area	784 sqft

Exterior

Year Built	Built 1958
Architectural Style	Ranch
Exterior Material	Frame Siding
Lot Area	9,656 sqft
Lot Dimensions	146 ft deep x 68 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	109 CHERRY ST
City	CARY
State	IL
Zip	60013-2803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2018R0000156 SELY 2FT LT 24 & ALL LT 25 HILLTOP ADDN
Legal Range	09E
Legal Township	43N
Legal Section	18
Legal Subdivision	HILLTOP ADD
Legal Block	155
Legal Lot Number	24-25
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2000
Census Tract	871600

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	109 CHERRY ST, CARY, IL 60013-2803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 22, 2021	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Jan 2, 2018	Trustee's Deed, Foreclosure · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2018 · Amount on Record
Deed Sale	Jan 2, 2018 · Amount on Record
Prior Sale	Jan 6, 2012
Deed Document Number	2018R0000156
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Jul 15, 2026
Property Address	109 CHERRY ST, CARY, IL 60013-2803
Document Number	0000020198
Instrument Date	Jul 14, 2026
Instrument	202620198
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	109 CHERRY ST, CARY, IL 60013-2803
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040000
Date	Jul 22, 2021
Instrument	2021R0040000

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

January 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCHENRY IL
Recording Date	Jan 2, 2018
Property Address	109 CHERRY ST, CARY, IL 60013-2803
Document Number	0000000156
Map Reference	DOC243364
Instrument Date	Dec 28, 2017
Instrument	2018R0000156
Transaction Type	Foreclosure
Record Updated	May 27, 2021
Title Company	HERITAGE TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$214.50
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CHERRY ST, CARY, IL 60013-2803

Mortgage

Document Number	0000000157
Date	Jan 2, 2018
Instrument	2018R0000157

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

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	$46,107 Land $15,387 Building $30,720	$138,321 Land $46,161 Building $92,160

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	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	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.

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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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