16 Willow Cir, Cary, IL 60013 Property Records

McHenry County property record for 16 Willow Cir, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,574 sqft · built 1979
Lot Size	0.07 acres (3,080 sqft)
Owner	2 Individual Names on File
Deeds & Mortgages	May 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-12-101-073`

Property Details

APN / Parcel Number

Primary APN	`19-12-101-073`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,574 sqft
1st Floor Area	548 sqft
2nd Floor Area	1,026 sqft

Exterior

Year Built	Built 1979
Exterior Material	Frame Siding
Lot Area	3,080 sqft (0.07 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	16 WILLOW CIR
City	CARY
State	IL
Zip	60013-1557
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0016260 LT 169 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	169
Legal Unit	3
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1022
Census Tract	871304

Owner

16 Willow Cir is owned and occupied by two individuals who acquired it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	16 WILLOW CIR, CARY, IL 60013-1557
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 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Jun 10, 2020	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Jun 6, 2019	Quit Claim Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2001
Deed Sale	Apr 25, 2001
Prior Sale	Apr 25, 2001 · Amount on File
Deed Document Number	0000026099
Last Transfer Date	Jun 6, 2019
Transfer Doc	0000016260
Record Updated	Jun 7, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	16 WILLOW CIR, CARY, IL 60013-1557
Transaction Type	Mortgage
Record Updated	Jun 7, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028268
Date	May 24, 2021
Instrument	2021R0028268

Lender

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

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	16 WILLOW CIR, CARY, IL 60013-1557
Document Number	0000021822
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16 WILLOW CIR CARY IL 600131557, CARY, IL 60013-1557

Mortgage

Document Number	0000021822
Date	Jun 17, 2020
Instrument	21822

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2050

Interest

Rate	3.25%

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 6, 2019
Property Address	16 WILLOW CIR, CARY, IL 60013-1557
Document Number	0000016260
Instrument Date	May 29, 2019
Instrument	16260
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16 WILLOW CIR CARY IL 600131557, CARY, IL 60013-1557

Mortgage

Document Number	16261
Date	Jun 6, 2019
Instrument	16261

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2049

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	$52,043 Land $10,431 Building $41,612	$156,129 Land $31,293 Building $124,836

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

Flood

FEMA maps place 16 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

Wildfire risk around 16 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.

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 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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