44 Silver Tree Cir, Cary, IL 60013 Property Records

McHenry County property record for 44 Silver Tree Cir, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,357 sqft · built 1976
Lot Size	0.3 acres (1,324 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Oct 2022)
Tax Bill	$4,755 (2024)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`19-12-103-152`

Property Details

APN / Parcel Number

Primary APN	`19-12-103-152`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,357 sqft Living Area
1st Floor Area	828 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	1,324 sqft (0.3 acres)
Lot Dimensions	59 ft deep x 23 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	44 SILVER TREE CIR
City	CARY
State	IL
Zip	60013-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2022R0036558 S 2.98FT LT 2 & ALL LT 3 & N .33FT LT 4 BLK 56 BRIGHT OAKS UNIT 1
Legal Subdivision	BRIGHT OAKS
Legal Block	56
Legal Lot Number	2,3,4
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1022
Census Tract	871304

Owner

Source: McHenry County records, as of October 12, 2026

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
Mailing Address	44 SILVER TREE CIR, CARY, IL 60013-1554
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2022 · Amount on Record
Deed Sale	Oct 26, 2022 · Amount on Record
Deed Document Number	202236558
Record Updated	Oct 29, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MCHENRY IL
Recording Date	Oct 26, 2022
Property Address	44 SILVER TREE CIR, CARY, IL 60013-1554
Document Number	0000036558
Map Reference	DOC 577079
Instrument Date	Oct 12, 2022
Instrument	2022R0036558
Transaction Type	Transfer
Record Updated	Nov 4, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	44 SILVER TREE CIR, 44, CARY, IL 60013-1554

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 SILVER TREE CIR, CARY, IL 60013-1554

Mortgage

Document Number	0000036559
Date	Oct 26, 2022
Instrument	2022R0036559

Lender

Name	EMERALD MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate
Rate	7.62%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

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	$4,755.00	$56,472 (+28.34%) Land $10,737 Building $45,735	$169,416 (+28.34%) Land $32,211 Building $137,205
2022	Homeowner's exemption	$44,001 Land $8,667 Building $35,334	$132,003 Land $26,001 Building $106,002

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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

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 314 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: AT&T, Verizon.

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