McHenry County property record for 45 Willow Cir, Cary, IL 60013
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,304 sqft · built 1979 |
| Lot Size | 0.64 acres (2,783 sqft) |
| Owner | Trust Name on File |
| Last Sale | $95,500 (Apr 2000) |
| Tax Bill | $4,522 (2024) |
| Deeds & Mortgages | Mar 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-12-106-018 |
| Primary APN | 19-12-106-018 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,304 sqft Living Area |
| 1st Floor Area | 654 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,783 sqft (0.64 acres) |
| Lot Dimensions | 102 ft deep x 26 ft wide |
| Garage Type | Detached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 45 WILLOW CIR |
|---|---|
| City | CARY |
| State | IL |
| Zip | 60013-1557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2022R0009946 LT 155 BRIGHT OAKS UNIT 3 PHASE 2 |
| Legal Subdivision | BRIGHT OAKS UNIT 3 PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 106 |
| Legal Lot Number | 155 |
| Legal Unit | 3 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 871304 |
45 Willow Cir is owner-occupied and held in a trust since April 2000.
Source: McHenry County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 45 WILLOW CIR, CARY, IL 60013-1557 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2000 · Amount on File |
| Deed Sale | Apr 3, 2000 · Amount on File |
| Deed Document Number | 200016033 |
| Prior Transfer Date | Jul 13, 1995 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Mar 17, 2022 |
| Property Address | 45 WILLOW CIR, CARY, IL 60013-1557 |
| Document Number | 0000009946 |
| Map Reference | DOC 752232 |
| Instrument Date | Feb 16, 2022 |
| Instrument | 2022R0009946 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 WILLOW CIR, CARY, IL 60013-1557 |
Source: McHenry County assessment roll, as of March 27, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $4,522.00 | $61,703 Land $12,923 Building $48,780 | $185,109 Land $38,769 Building $146,340 |
| 2022 | Homeowner's exemption | $46,702 Land $10,431 Building $36,271 | $140,106 Land $31,293 Building $108,813 |
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.
FEMA maps place 45 Willow Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 risk around 45 Willow Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 189 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: Verizon.
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