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640 Spruce Tree Dr, Cary, IL 60013 Property Records

McHenry County property record for 640 Spruce Tree Dr, Cary, IL 60013

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 4,227 sqft · built 1991
Lot Size0.506 acres (22,076 sqft)
OwnerTrust Name on File
Last Sale$349,000 (Sep 1998)
Deeds & MortgagesFeb 2022 Line of Credit
Jun 2020 Transfer
Flood ZoneZone X (minimal risk)
APN20-07-477-007

Property Details

APN / Parcel Number

Primary APN20-07-477-007

Interior

Bedrooms5 Beds
Full Baths4 Baths
Total Rooms12 Rooms
Stories2 Stories
Building Area4,227 sqft
Gross Area5,942 sqft
1st Floor Area1,764 sqft
2nd Floor Area2,463 sqft

Exterior

Year BuiltBuilt 1991
Exterior MaterialFrame Siding
Lot Area22,076 sqft
Lot Dimensions233 ft deep x 89 ft wide

Utilities, Heating & Cooling

Heating SystemForced Air

Location & Zoning

Street Address640 SPRUCE TREE DR
CityCARY
StateIL
Zip60013-3141
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 2020R0023945 LT 23 PATRIOT MEADOWS
Legal Range09E
Legal Township43N
Legal Section07
Legal SubdivisionPATRIOT MDWS
Legal Block477
Legal Lot Number23
JurisdictionMCHENRY IL
Township / Civil DivisionALGONQUIN
Census Block Group1
Census Block1023
Census Tract871307

Owner

640 Spruce Tree Dr is owner-occupied and held in a trust since June 2020.

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

Owner of RecordTrust Name on File
Mailing Address640 SPRUCE TREE DR, CARY, IL 60013-3141
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

DateDocument
Feb 17, 2022Deed of Trust, Mortgage · Line of Credit
BMO HARRIS BANK NA
Jun 30, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 28, 1998 · Amount on File
Deed SaleSep 28, 1998 · Amount on File
Prior SaleJun 30, 2020
Deed Document Number0000064111
Deed Book / Page2007
Record UpdatedJun 7, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCHENRY IL
Property Address640 SPRUCE TREE DR, CARY, IL 60013-3141
Transaction TypeMortgage
Record UpdatedMar 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address640 SPRUCE TREE DR, CARY, IL 60013-3141

Mortgage

Document Number0000006511
DateFeb 17, 2022
Instrument2022R0006511
Lender
NameBMO HARRIS BANK NA
TypeBank
AddressCHICAGO, IL 60690
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueFeb 16, 2052
Interest
Rate TypeAdjustable Rate
Rate3.74%
Change FrequencyMonthly

June 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMCHENRY IL
Recording DateJun 30, 2020
Property Address640 SPRUCE TREE DR, CARY, IL 60013-3141
Document Number0000023945
Instrument DateJun 17, 2020
Instrument23945
Transaction TypeTransfer
Record UpdatedJul 22, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address640 SPRUCE TREE DR CARY IL 600133141, CARY, IL 60013-3141

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$184,165 Land $37,785 Building $146,380$552,495 Land $113,355 Building $439,140

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

Flood

FEMA maps place 640 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 640 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

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