1. Home
  2. Illinois
  3. McHenry County
  4. Cary
  5. Spruce Tree Dr

535 Spruce Tree Dr, Cary, IL 60013 Property Records

McHenry County property record for 535 Spruce Tree Dr, Cary, IL 60013

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,452 sqft · built 1991
Lot Size0.182 acres (7,952 sqft)
Owner2 Individual Names on File
Last Sale$420,000 (Jan 2016)
Deeds & MortgagesMay 2021 Mortgage
Jul 2023 Line of Credit
Flood ZoneZone X (minimal risk)
APN20-07-477-030

Property Details

APN / Parcel Number

Primary APN20-07-477-030

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms12 Rooms
Stories2 Stories
Building Area3,452 sqft
Gross Area5,271 sqft
1st Floor Area1,881 sqft
2nd Floor Area1,571 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Architectural StyleColonial
Exterior MaterialBrick/Wood
Lot Area7,952 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address535 SPRUCE TREE DR
CityCARY
StateIL
Zip60013-3143
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 2016R0002672 LT 14 PATRIOT MEADOWS
Legal Range09E
Legal Township43N
Legal Section07
Legal SubdivisionPATRIOT MEADOWS
Legal Block477
Legal Lot Number14
JurisdictionMCHENRY IL
Township / Civil DivisionALGONQUIN
Census Block Group1
Census Block1023
Census Tract871307

Owner

535 Spruce Tree Dr is owned and occupied by two individuals who bought it in January 2016.

Source: McHenry County records, as of May 13, 2024

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address535 SPRUCE TREE DR, CARY, IL 60013-3143
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 11, 2021Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA NA
Jul 17, 2023Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 25, 2016 · Amount on File
Deed SaleJan 25, 2016 · Amount on File
Prior SaleSep 10, 2013 · Amount on File
Deed Document Number2016R0002672
Record UpdatedJun 7, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Property Address535 SPRUCE TREE DR, CARY, IL 60013-3143
Transaction TypeMortgage
Record UpdatedApr 3, 2026
Title CompanyWFG LENDER SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000025599
DateMay 11, 2021
Instrument2021R0025599
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2051
Interest
Rate3.12%

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Property Address535 SPRUCE TREE DR, CARY, IL 60013-3143
Transaction TypeMortgage
Record UpdatedApr 3, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000017132
DateJul 17, 2023
Instrument2023R0017132
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueJul 6, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2022

Property Jurisdictions

TypeName
StateIllinois
CountyMcHenry County
County SubdivisionAlgonquin Township
MunicipalityCary Village
Elementary School DistrictCary Community Consolidated School District 26 (PK - 08)
Secondary School DistrictCommunity High School District 155 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2022Homeowner's exemption$186,282 Land $34,971 Building $151,311$558,846 Land $104,913 Building $453,933

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

FEMA maps place 535 Spruce Tree Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies4 in force

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

The area around 535 Spruce Tree Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemCARY
serves 17,826 people · EPA ID IL1110100
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 358 locations within half a mile, as of December 31, 2025

ProviderMax 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

Nearby Properties on Spruce Tree Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures