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645 Spruce Tree Dr, Cary, IL 60013 Property Records

McHenry County property record for 645 Spruce Tree Dr, Cary, IL 60013

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,476 sqft · built 1991
Lot Size0.491 acres (21,413 sqft)
Owner2 Trust Names on File
Deeds & MortgagesAug 2021 Transfer
Flood ZoneZone X (minimal risk)
APN20-07-477-025

Property Details

APN / Parcel Number

Primary APN20-07-477-025

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms10 Rooms
Stories2 Stories
Building Area3,476 sqft
Gross Area5,039 sqft
1st Floor Area1,744 sqft
2nd Floor Area1,732 sqft

Exterior

Year BuiltBuilt 1991
Exterior MaterialFrame Siding
Lot Area21,413 sqft

Utilities, Heating & Cooling

Heating SystemForced Air

Location & Zoning

Street Address645 SPRUCE TREE DR
CityCARY
StateIL
Zip60013-3144
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 2021R0042196 LT 9 PATRIOT MEADOWS ET AL: ARMSTRONG, MARGARET A TR
Legal Range09E
Legal Township43N
Legal Section07
Legal SubdivisionPATRIOT MEADOWS
Legal Block477
Legal Lot Number9
JurisdictionMCHENRY IL
Township / Civil DivisionALGONQUIN
Census Block Group1
Census Block1023
Census Tract871307

Owner

645 Spruce Tree Dr is owner-occupied and held in a trust since August 2021.

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

Owner of Record2 Trust Names on File
Co-owner2 Co-owners on File
Mailing AddressPO BOX 195, CARY, IL 60013-0195
OccupancyOwner Occupied
Owner TypeCompany, Secondary Individual
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

Assessor's Deed Record

Deed Names4 Names on Deed
Last Transfer DateAug 3, 2021
Transfer Doc0000042196
Record UpdatedJun 7, 2026

August 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMCHENRY IL
Recording DateAug 3, 2021
Property Address645 SPRUCE TREE DR, CARY, IL 60013-3144
Document Number0000042196
Map ReferenceDOC 90R37212
Instrument DateJun 2, 2021
Instrument2021R0042196
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 SPRUCE TREE DR, CARY, IL 60013-3144

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$165,927 Land $38,057 Building $127,870$497,781 Land $114,171 Building $383,610

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

Flood

FEMA maps place 645 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 645 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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