223 Pearl St, Cary, IL 60013 Property Records

McHenry County property record for 223 Pearl St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,440 sqft · built 1954
Lot Size	0.19 acres (8,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$194,000 (Aug 2019)
Deeds & Mortgages	Aug 2019 Sale & Mortgage Aug 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-18-127-004`

Property Details

APN / Parcel Number

Primary APN	`20-18-127-004`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,440 sqft
Gross Area	2,223 sqft
1st Floor Area	1,080 sqft
2nd Floor Area	360 sqft

Exterior

Year Built	Built 1954
Architectural Style	Cape Cod
Exterior Material	Frame Siding
Lot Area	8,280 sqft
Lot Dimensions	132 ft deep x 60 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	223 PEARL ST
City	CARY
State	IL
Zip	60013-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0027618 (RE-RECORD) LT 38 MONTANAS ADDN UNIT 2
Legal Range	09E
Legal Township	43N
Legal Section	18
Legal Subdivision	MONTANAS ADD
Legal Block	127
Legal Lot Number	38
Legal Unit	2
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3030
Census Tract	871307

Owner

Source: McHenry County records, as of August 7, 2023

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

Owner of Record	2 Individual Names on Record
Mailing Address	223 PEARL ST, CARY, IL 60013-2231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2019	Grant Deed, Transfer · VA Mortgage USAA
Aug 27, 2019	Correction Deed, Transfer HERITAGE TITLE COMPANY, HERITAGE TITLE CO.
Jan 16, 2019	Quit Claim Deed, Transfer HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2019 · Amount on Record
Deed Sale	Aug 27, 2019 · Amount on Record
Prior Sale	Aug 19, 2019 · Amount on Record
Deed Document Number	2019R0026468
Record Updated	Jun 7, 2026

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 19, 2019
Property Address	223 PEARL ST, CARY, IL 60013-2231
Document Number	0000026468
Instrument Date	Aug 13, 2019
Instrument	26468
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$290.85
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	300 OPATRNY DR FOX RIVER GROVE IL 600211137, FOX RIVER GROVE, IL 60021-1137

Mortgage

Document Number	26470
Date	Aug 19, 2019
Instrument	26470

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2049

August 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	MCHENRY IL
Recording Date	Aug 27, 2019
Property Address	223 PEARL ST, CARY, IL 60013-2231
Document Number	0000027618
Instrument Date	Aug 13, 2019
Instrument	27618
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transaction

Amount	Amount Recorded
Tax	$291.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	300 OPATRNY DR FOX RIVER GROVE IL 600211137, FOX RIVER GROVE, IL 60021-1137

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCHENRY IL
Recording Date	Jan 16, 2019
Property Address	223 PEARL ST, CARY, IL 60013-2231
Document Number	0000001476
Instrument Date	Jan 11, 2019
Instrument	1476
Transaction Type	Transfer
Record Updated	Feb 4, 2019
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	223 PEARL ST CARY IL 600132231, CARY, IL 60013-2231

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	$59,770 Land $16,630 Building $43,140	$179,310 Land $49,890 Building $129,420

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
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	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 338 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 Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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