21 E James Way, Cary, IL 60013 Property Records

McHenry County property record for 21 E James Way, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,842 sqft · built 1966
Lot Size	0.274 acres (11,959 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	May 2022 Transfer Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-07-351-006`

Property Details

APN / Parcel Number

Primary APN	`20-07-351-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,842 sqft
1st Floor Area	1,044 sqft
2nd Floor Area	798 sqft

Exterior

Year Built	Built 1966
Exterior Material	Frame Siding
Lot Area	11,959 sqft
Lot Dimensions	132 ft deep x 90 ft wide

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	21 E JAMES WAY
City	CARY
State	IL
Zip	60013-2149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 98R026854 LT 6 & WLY 24FT LT 7 CARY KNOLL UNIT 1
Legal Range	09E
Legal Township	43N
Legal Section	07
Legal Subdivision	GARY KNOLL 01
Legal Block	351
Legal Lot Number	6-7
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3007
Census Tract	871307

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	2 Co-owners on Record
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2022	Transfer on Death Deed, Transfer
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Oct 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE SVCS

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	May 5, 2022
Deed Sale	May 5, 2022
Prior Sale	May 10, 1996
Deed Document Number	0000016422
Record Updated	Jun 7, 2026

May 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MCHENRY IL
Recording Date	May 5, 2022
Property Address	21 E JAMES WAY, CARY, IL 60013-2149
Document Number	0000016422
Map Reference	DOC406329 MB 14 PG97
Instrument Date	May 4, 2022
Instrument	2022R0016422
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 E JAMES WAY, 21, CARY, IL 60013-2149

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	21 E JAMES WAY, CARY, IL 60013-2149
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PRECISION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013487
Date	Apr 17, 2020
Instrument	2020R0013487

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

Interest

Rate Type	Fixed Rate
Rate	3.37%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	21 E JAMES WAY, CARY, IL 60013-2149
Document Number	0000038545
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	PRECISION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 E JAMES WAY CARY IL 600132149, CARY, IL 60013-2149

Mortgage

Document Number	0000038545
Date	Oct 17, 2017
Instrument	38545

Lender

Name	MORTGAGE SVCS
Type	Mortgage Company
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 16, 2032

Interest

Rate Type	Fixed Rate
Rate	3.87%

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	$83,560 Land $23,002 Building $60,558	$250,680 Land $69,006 Building $181,674

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2004)
Most Recent Claim	Sep 2004 · 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

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 342 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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