120 Cherry St, Cary, IL 60013 Property Records

McHenry County property record for 120 Cherry St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 1956
Lot Size	0.169 acres (7,396 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Apr 2005)
Deeds & Mortgages	Dec 2023 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-18-153-005`

Property Details

APN / Parcel Number

Primary APN	`20-18-153-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,536 sqft
Gross Area	3,072 sqft
1st Floor Area	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Architectural Style	Ranch
Exterior Material	Ribbed Aluminum
Lot Area	7,396 sqft
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	120 CHERRY ST
City	CARY
State	IL
Zip	60013-2855
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2005R0032764 LT 16 HILLTOP ADDN
Legal Range	09E
Legal Township	43N
Legal Section	18
Legal Subdivision	HILLTOP ADD
Legal Block	153
Legal Lot Number	16
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2001
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	120 CHERRY ST, CARY, IL 60013-2855
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2023	Deed of Trust, Mortgage · Line of Credit PARTNERSHIP FINANCIAL CU
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2005 · Amount on Record
Deed Sale	Apr 29, 2005 · Amount on Record
Prior Sale	Oct 3, 1995
Deed Document Number	2005R0032764
Record Updated	Jun 7, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	120 CHERRY ST, CARY, IL 60013-2855
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032676
Date	Dec 29, 2023
Instrument	2023R0032676

Lender

Name	PARTNERSHIP FINANCIAL CU
Type	Credit Union
Address	MORTON GROVE, IL 60053

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 28, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	120 CHERRY ST, CARY, IL 60013-2855
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026504
Date	May 14, 2021
Instrument	2021R0026504

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.99%

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	$70,004 Land $15,387 Building $54,617	$210,012 Land $46,161 Building $163,851

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	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 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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