McHenry County property record for 12 Willow Cir, Cary, IL 60013
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,304 sqft · built 1979 |
| Lot Size | 0.056 acres (2,470 sqft) |
| Owner | Company Name on File |
| Deeds & Mortgages | Sep 2025 Mortgage Mar 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-12-101-075 |
| Primary APN | 19-12-101-075 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,304 sqft |
| 1st Floor Area | 654 sqft |
| 2nd Floor Area | 650 sqft |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Frame Siding |
| Lot Area | 2,470 sqft (0.056 acres) |
| Lot Dimensions | 95 ft deep x 26 ft wide |
| Heating System | Forced Air |
|---|
| Street Address | 12 WILLOW CIR |
|---|---|
| City | CARY |
| State | IL |
| Zip | 60013-1557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 93R056094 LT 171 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 | 171 |
| Legal Unit | 3 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 871304 |
12 Willow Cir is owned by a company that acquired it in March 2024.
Source: McHenry County records, as of May 13, 2024
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 36W995 RED GATE RD, SAINT CHARLES, IL 60175-6223 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 8, 2024 | Guardian's Deed, Transfer GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE |
| Deed Names | Name on Deed |
|---|---|
| Prior Sale | Sep 21, 1993 · Amount on File |
| Last Transfer Date | Mar 8, 2024 |
| Transfer Doc | 0000005575 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 12 WILLOW CIR, CARY, IL 60013-1557 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 12 WILLOW CIR, CARY, IL 60013-1557 |
| Document Number | 0000026133 |
|---|---|
| Date | Sep 24, 2025 |
| Instrument | 2025R0026133 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.5% |
| Document Type | Guardian's Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Mar 8, 2024 |
| Property Address | 12 WILLOW CIR, CARY, IL 60013-1557 |
| Document Number | 0000005575 |
| Map Reference | DOC 752232 |
| Instrument Date | Feb 9, 2024 |
| Instrument | 2024R0005575 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2024 |
| Title Company | GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $95.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 36W995 RED GATE RD, SAINT CHARLES, IL 60175-6223 |
Source: McHenry County assessment roll, as of January 1, 2022
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $46,702 Land $10,431 Building $36,271 | $140,106 Land $31,293 Building $108,813 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Willow Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 risk around 12 Willow Cir is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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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