725 Harper Ave, Cary, IL 60013 Property Records

McHenry County property record for 725 Harper Ave, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Last Sale	$333,500 (Mar 2022)
Deeds & Mortgages	May 2021 Construction Loan Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-14-429-011`

Property Details

APN / Parcel Number

Primary APN	`19-14-429-011`

Location & Zoning

Street Address	725 HARPER AVE
City	CARY
State	IL
Zip	60013-3240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2022R0011373 LT 5 HARPER POINTE
Legal Subdivision	HARPER POINTE SUB
Legal Lot Number	5
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3000
Census Tract	871312

Owner

725 Harper Ave is owned by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	725 HARPER AVE, CARY, IL 60013-3240
Owner Type	Individual

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

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Construction Mortgage PRAIRIE COMMUNITY BANK
Mar 28, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2022 · Amount on File
Deed Sale	Mar 28, 2022 · Amount on File
Deed Document Number	2022R0011373
Record Updated	Jun 7, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	725 HARPER AVE, CARY, IL 60013-3240
Transaction Type	Mortgage
Record Updated	Jun 26, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024070
Date	May 4, 2021
Instrument	2021R0024070

Lender

Name	PRAIRIE COMMUNITY BANK
Type	Bank
Address	MARENGO, IL 60152

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	Apr 21, 2022

Interest

Rate Type	Adjustable Rate
Rate	4.25%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 28, 2022
Property Address	725 HARPER AVE, CARY, IL 60013-3240
Document Number	0000011373
Map Reference	DOC 2018R0020914
Instrument Date	Mar 1, 2022
Instrument	2022R0011373
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$333.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7001 MALLARD WAY, CARY, IL 60013-6017

Mortgage

Document Number	0000011374
Date	Mar 28, 2022
Instrument	2022R0011374

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.62%

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	$76,416 Land $6,955 Building $69,461	$229,248 Land $20,865 Building $208,383

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 725 Harper Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 28, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 725 Harper Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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