311 Pearl St, Cary, IL 60013 Property Records

McHenry County property record for 311 Pearl St, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,304 sqft · built 1984
Lot Size	0.219 acres (9,570 sqft)
Owner	Individual Name on Record
Last Sale	$262,500 (Jun 2020)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Nov 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`20-18-128-012`

Property Details

APN / Parcel Number

Primary APN	`20-18-128-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,304 sqft
Gross Area	2,608 sqft
1st Floor Area	1,304 sqft

Exterior

Year Built	Built 1984
Architectural Style	Split Level
Exterior Material	Frame Siding
Lot Area	9,570 sqft
Lot Dimensions	135 ft deep x 70 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	311 PEARL ST
City	CARY
State	IL
Zip	60013-2213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0021414 LT 40 EASTGATE UNIT 1
Legal Range	09E
Legal Township	43N
Legal Section	18
Legal Subdivision	EASTGATE UN 1
Legal Block	128
Legal Lot Number	40
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3029
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	Co-owner on Record
Mailing Address	311 PEARL ST, CARY, IL 60013-2213
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 1, 2019	Warranty Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2020 · Amount on Record
Deed Sale	Jun 15, 2020 · Amount on Record
Prior Sale	Nov 1, 2019 · Amount on Record
Deed Document Number	2020R0021414
Record Updated	Jun 7, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jun 15, 2020
Property Address	311 PEARL ST, CARY, IL 60013-2213
Document Number	0000021414
Map Reference	DOC 690623
Instrument Date	May 29, 2020
Instrument	2020R0021414
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1320 BRUNSWICK CT, ELGIN, IL 60120-5058

Mortgage

Document Number	0000021415
Date	Jun 15, 2020
Instrument	2020R0021415

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate	3.5%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Nov 1, 2019
Property Address	311 PEARL ST, CARY, IL 60013-2213
Document Number	0000037318
Instrument Date	Oct 25, 2019
Instrument	37318
Transaction Type	Transfer
Record Updated	Nov 19, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3615 WINSTON DR HOFFMAN ESTATES IL 601921842, HOFFMAN ESTATES, IL 60192-1842

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	$105,002 Land $19,398 Building $85,604	$315,006 Land $58,194 Building $256,812

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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