McHenry County property record for 620 Spruce Tree Dr, Cary, IL 60013
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,422 sqft · built 1991 |
| Lot Size | 0.41 acres (17,899 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $323,000 (Mar 1999) |
| Deeds & Mortgages | Aug 2022 Line of Credit Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-07-477-008 |
| Primary APN | 20-07-477-008 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,422 sqft |
| Gross Area | 5,114 sqft |
| 1st Floor Area | 1,714 sqft |
| 2nd Floor Area | 1,708 sqft |
| Year Built | Built 1991 |
|---|---|
| Exterior Material | Frame Siding |
| Lot Area | 17,899 sqft |
| Lot Dimensions | 233 ft deep x 89 ft wide |
| Heating System | Forced Air |
|---|
| Street Address | 620 SPRUCE TREE DR |
|---|---|
| City | CARY |
| State | IL |
| Zip | 60013-3141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 1999R0020357 LT 22 PATRIOT MEADOWS |
| Legal Range | 09E |
| Legal Township | 43N |
| Legal Section | 07 |
| Legal Subdivision | PATRIOT MEADOWS |
| Legal Block | 477 |
| Legal Lot Number | 22 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 871307 |
Source: McHenry County records, as of May 13, 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 620 SPRUCE TREE DR, CARY, IL 60013-3141 |
| Date | Document |
|---|---|
| Aug 10, 2022 | Deed of Trust, Mortgage · Line of Credit CONSUMERS CU |
| Nov 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 1999 · Amount on Record |
| Deed Sale | Mar 16, 1999 · Amount on Record |
| Deed Document Number | 1999R0020357 |
| Deed Book / Page | 2007 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 620 SPRUCE TREE DR, CARY, IL 60013-3141 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000028191 |
|---|---|
| Date | Aug 10, 2022 |
| Instrument | 2022R0028191 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Address | GURNEE, IL 60031 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jul 20, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 620 SPRUCE TREE DR, CARY, IL 60013-3141 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000051143 |
|---|---|
| Date | Nov 25, 2020 |
| Instrument | 2020R0051143 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ITASCA, IL 60143 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
Source: McHenry County assessment roll, as of January 1, 2022
| 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 |
|---|---|---|---|
| 2022 | Homeowner's exemption | $166,970 Land $37,785 Building $129,185 | $500,910 Land $113,355 Building $387,555 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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