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685 Spruce Tree Dr, Cary, IL 60013 Property Records

McHenry County property record for 685 Spruce Tree Dr, Cary, IL 60013

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,754 sqft · built 1992
Lot Size0.479 acres (20,908 sqft)
OwnerIndividual Name on File
Last Sale$355,000 (Aug 2020)
Deeds & MortgagesAug 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN20-07-477-023

Property Details

APN / Parcel Number

Primary APN20-07-477-023

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms9 Rooms
Stories2 Stories
Building Area2,754 sqft
Gross Area4,040 sqft
1st Floor Area1,468 sqft
2nd Floor Area1,286 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Architectural StyleColonial
Exterior MaterialWood
Lot Area20,908 sqft
Lot Dimensions233 ft deep x 91 ft wide
Garage TypeAttached

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address685 SPRUCE TREE DR
CityCARY
StateIL
Zip60013-3144
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOC 2020R0031794 LT 7 PATRIOT MEADOWS
Legal Range09E
Legal Township43N
Legal Section07
Legal SubdivisionPATRIOT MEADOWS
Legal Block477
Legal Lot Number7
JurisdictionMCHENRY IL
Township / Civil DivisionALGONQUIN
Census Block Group1
Census Block1023
Census Tract871307

Owner

685 Spruce Tree Dr is owned and occupied by an individual who bought it in August 2020.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address685 SPRUCE TREE DR, CARY, IL 60013-3144
OccupancyOwner Occupied
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleAug 14, 2020 · Amount on File
Deed SaleAug 14, 2020 · Amount on File
Prior SaleSep 22, 2005
Deed Document Number2020R0031794
Record UpdatedJun 7, 2026

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCHENRY IL
Recording DateAug 14, 2020
Property Address685 SPRUCE TREE DR, CARY, IL 60013-3144
Document Number0000031794
Map ReferenceDOC 90R37212
Instrument DateJul 7, 2020
Instrument2020R0031794
Transaction TypeTransfer
Record UpdatedMay 27, 2021
Title CompanyPRECISION TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$355.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address685 SPRUCE TREE DR, CARY, IL 60013-3144

Mortgage

Document Number0000031795
DateAug 14, 2020
Instrument2020R0031795
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2050
Interest
Rate TypeFixed Rate
Rate2.75%

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$144,539 Land $36,155 Building $108,384$433,617 Land $108,465 Building $325,152

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 685 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 685 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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