121 Ann St, Cary, IL 60013 Property Records

McHenry County property record for 121 Ann St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 1,644 sqft · built 1973
Lot Size	0.304 acres (13,258 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (May 2023)
Deeds & Mortgages	May 2023 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-12-427-002`

Property Details

APN / Parcel Number

Primary APN	`19-12-427-002`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,644 sqft
Gross Area	3,072 sqft
1st Floor Area	1,644 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Architectural Style	Ranch
Exterior Material	Ribbed Aluminum
Lot Area	13,258 sqft (0.304 acres)
Lot Dimensions	166 ft deep x 80 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	121 ANN ST
City	CARY
State	IL
Zip	60013-1609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2017R0013027 LT 84 HANSONS OAK VIEW ESTATES
Legal Range	08E
Legal Township	43N
Legal Section	12
Legal Subdivision	HANSONS OAK VIEW ESTATES
Legal Block	427
Legal Lot Number	84
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2000
Census Tract	871305

Owner

121 Ann St is owned and occupied by an individual who bought it in May 2023.

Source: McHenry County records, as of May 13, 2024

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	121 ANN ST, CARY, IL 60013-1609
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 13, 2017	Warranty Deed, Transfer · Conventional Mortgage PERL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2023 · Amount on File
Deed Sale	May 15, 2023 · Amount on File
Prior Sale	Apr 13, 2017 · Amount on File
Deed Document Number	2023R0011070
Record Updated	Jun 7, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	May 15, 2023
Property Address	121 ANN ST, CARY, IL 60013-1609
Document Number	0000011070
Map Reference	DOC355941 MB14 PG24
Instrument Date	May 8, 2023
Instrument	2023R0011070
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	121 ANN ST, CARY, IL 60013-1609

Mortgage

Document Number	0000011071
Date	May 15, 2023
Instrument	2023R0011071

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.54%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	121 ANN ST, CARY, IL 60013-1609
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TEK TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010979
Date	Mar 30, 2020
Instrument	2020R0010979

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Apr 13, 2017
Property Address	121 ANN ST, CARY, IL 60013-1609
Document Number	0000013027
Map Reference	MB14 PG24
Instrument Date	Mar 29, 2017
Instrument	2017R0013027
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$374.25
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 ANN ST, CARY, IL 60013-1609

Mortgage

Document Number	0000013028
Date	Apr 13, 2017
Instrument	2017R0013028

Lender

Name	PERL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

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	$104,571 Land $17,575 Building $86,996	$313,713 Land $52,725 Building $260,988

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

FEMA maps place 121 Ann St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2017 · 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

Wildfire risk around 121 Ann St 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 99.1% of the US · lower than 94% 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 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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