McHenry County property record for 471 White Oaks Dr, Cary, IL 60013
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,238 sqft · built 2000 |
| Lot Size | 0.503 acres (21,895 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $510,000 (Oct 2023) |
| Tax Bill | $13,289 (2024) |
| Deeds & Mortgages | Apr 2024 Transfer Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-07-279-004 |
| Primary APN | 20-07-279-004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,238 sqft Living Area |
| 1st Floor Area | 1,415 sqft |
| Basement Area | 1,415 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Lot Area | 21,895 sqft (0.503 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 471 WHITE OAKS DR |
|---|---|
| City | CARY |
| State | IL |
| Zip | 60013-3157 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2024R0010094 LT 44 WHITE OAKS SUB |
| Legal Subdivision | WHITE OAKS SUB |
| Legal Lot Number | 44 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 871305 |
Source: McHenry County records, as of March 27, 2026
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 | 471 WHITE OAKS DR, CARY, IL 60013-3157 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 26, 2024 | Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Oct 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage SOLUTIONS FINANCIAL MORTGAGE COMPAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2023 · Amount on Record |
| Deed Sale | Oct 31, 2023 · Amount on Record |
| Prior Sale | Aug 2, 2001 · Amount on Record |
| Deed Document Number | 202327688 |
| Last Transfer Date | Apr 24, 2024 |
| Transfer Doc | 0000010094 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Apr 26, 2024 |
| Property Address | 471 WHITE OAKS DR, CARY, IL 60013-3157 |
| Document Number | 0000010094 |
| Map Reference | DOC 98R0052325 |
| Instrument Date | Apr 4, 2024 |
| Instrument | 2024R0010094 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 471 WHITE OAKS DR, CARY, IL 60013-3157 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Oct 31, 2023 |
| Property Address | 471 WHITE OAKS DR, CARY, IL 60013-3157 |
| Document Number | 0000027688 |
| Map Reference | DOC 98R0052325 |
| Instrument Date | Oct 23, 2023 |
| Instrument | 2023R0027688 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2023 |
| Title Company | GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $510.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 471 WHITE OAKS DFIVE, CARY, IL 60013-3157 |
| Document Number | 0000027689 |
|---|---|
| Date | Oct 31, 2023 |
| Instrument | 2023R0027689 |
| Name | SOLUTIONS FINANCIAL MORTGAGE COMPAN |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 8.12% |
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 | $13,289.00 | $165,803 (-3.05%) Land $33,461 Building $132,342 | $497,409 (-3.05%) Land $100,383 Building $397,026 |
| 2022 | Homeowner's exemption | $171,023 Land $36,284 Building $134,739 | $513,069 Land $108,852 Building $404,217 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 4 (2013–2026) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Apr 2026 · river or lake flooding |
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.
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.
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 358 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL in parts of the area | 100 / 20 |
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