16 Silver Tree Cir, Cary, IL 60013 Property Records

McHenry County property record for 16 Silver Tree Cir, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 936 sqft · built 1976
Lot Size	0.39 acres (1,681 sqft)
Owner	Individual Name on File
Tax Bill	$3,347 (2024)
Deeds & Mortgages	Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-12-103-145`

Property Details

APN / Parcel Number

Primary APN	`19-12-103-145`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	1,681 sqft (0.39 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	16 SILVER TREE CIR
City	CARY
State	IL
Zip	60013-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 1998R0083820 ELY 2.12FT LT 3 & ALL LT 4 BLK 51 BRIGHT OAKS UNIT 1
Legal Subdivision	BRIGHT OAKS
Legal Block	51
Legal Lot Number	3,4
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1022
Census Tract	871304

Owner

Source: McHenry County assessment roll, as of March 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	16 SILVER TREE CIR, CARY, IL 60013-1554
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Oct 15, 1998
Transfer Doc	0000083820
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	16 SILVER TREE CIR, CARY, IL 60013-1554
Transaction Type	Mortgage
Record Updated	Oct 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 SILVER TREE CIR, CARY, IL 60013-1554

Mortgage

Document Number	0000053413
Date	Sep 30, 2021
Instrument	2021R0053413

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.89%
Change Frequency	Monthly

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

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
2024	$3,347.00 (+24.89%)	$47,752 (+39.62%) Land $10,737 Building $37,015	$143,256 (+39.62%) Land $32,211 Building $111,045
2022	$2,680.00 Homeowner's exemption	$34,201 Land $8,667 Building $25,534	$102,603 Land $26,001 Building $76,602

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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