305 Bell Dr, Cary, IL 60013 Property Records

McHenry County property record for 305 Bell Dr, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,144 sqft · built 1979
Lot Size	0.21 acres (9,164 sqft)
Owner	Individual Name on Record
Last Sale	$434,000 (Oct 2025)
Tax Bill	$8,260 (2024)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-18-130-003`

Property Details

APN / Parcel Number

Primary APN	`20-18-130-003`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,144 sqft
Gross Area	3,144 sqft
1st Floor Area	1,000 sqft
2nd Floor Area	1,144 sqft

Exterior

Year Built	Built 1979
Architectural Style	Colonial
Exterior Material	Frame Siding
Lot Area	9,164 sqft
Lot Dimensions	132 ft deep x 70 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	305 BELL DR
City	CARY
State	IL
Zip	60013-2209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 92R033612 LT 25 EASTGATE UNIT 1
Legal Range	09E
Legal Township	43N
Legal Section	18
Legal Subdivision	EASTGATE 01
Legal Block	130
Legal Lot Number	25
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3027
Census Tract	871307

Owner

Source: McHenry County records, as of October 30, 2025

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	Co-owner on Record
Mailing Address	305 BELL DR, CARY, IL 60013-2209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2025 · Amount on Record
Deed Sale	Oct 20, 2025 · Amount on Record
Deed Document Number	2025R0029172
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Oct 20, 2025
Property Address	305 BELL DR, CARY, IL 60013-2209
Document Number	0000029172
Map Reference	DOC 690623
Instrument Date	Oct 12, 2025
Instrument	2025R0029172
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$434.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 BELL DR, CARY, IL 60013-2209

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	305 BELL DR, CARY, IL 60013-2209

Mortgage

Document Number	0000029173
Date	Oct 20, 2025
Instrument	2025R0029173

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.37%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2024

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	$8,260.00 Homeowner's exemption	$114,090 (+2.03%) Land $17,142 Building $96,948	$342,270 (+2.03%) Land $51,426 Building $290,844
2022	Homeowner's exemption	$111,820 Land $19,398 Building $92,422	$335,460 Land $58,194 Building $277,266

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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