555 Spruce Tree Dr, Cary, IL 60013 Property Records

McHenry County property record for 555 Spruce Tree Dr, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,124 sqft · built 1992
Lot Size	0.387 acres (16,896 sqft)
Owner	2 Trust Names on File
Deeds & Mortgages	Sep 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20-07-477-029`

Property Details

APN / Parcel Number

Primary APN	`20-07-477-029`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,124 sqft
Gross Area	4,350 sqft
1st Floor Area	1,794 sqft
2nd Floor Area	1,330 sqft

Exterior

Year Built	Built 1992
Exterior Material	Frame Siding
Lot Area	16,896 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	555 SPRUCE TREE DR
City	CARY
State	IL
Zip	60013-3143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 92R036932 LT 13 PATRIOT MEADOWS
Legal Range	09E
Legal Township	43N
Legal Section	07
Legal Subdivision	PATRIOT MEADOWS
Legal Block	477
Legal Lot Number	13
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1023
Census Tract	871307

Owner

555 Spruce Tree Dr is owner-occupied and held in a trust since September 2023.

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

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	555 SPRUCE TREE DR, CARY, IL 60013-3143
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Transfer Date	Sep 19, 2023
Transfer Doc	0000023576
Record Updated	Jun 7, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Sep 19, 2023
Property Address	555 SPRUCE TREE DR, CARY, IL 60013-3143
Document Number	0000023576
Map Reference	DOC 90R037212
Instrument Date	Apr 5, 2001
Instrument	2023R0023576
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	555 SPRUCE TREE DR, CARY, IL 60013-3143

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	$143,276 Land $35,101 Building $108,175	$429,828 Land $105,303 Building $324,525

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 555 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 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 555 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 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 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