74 Bright Oaks Cir, Cary, IL 60013 Property Records

McHenry County property record for 74 Bright Oaks Cir, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,140 sqft · built 1973
Lot Size	0.26 acres (1,130 sqft)
Owner	Individual Name on File
Last Sale	$183,500 (Jan 2023)
Tax Bill	$3,876 (2024)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2023 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`19-12-103-079`

Property Details

APN / Parcel Number

Primary APN	`19-12-103-079`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,140 sqft Living Area
1st Floor Area	570 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	1,130 sqft (0.26 acres)
Lot Dimensions	59 ft deep x 19 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	74 BRIGHT OAKS CIR
City	CARY
State	IL
Zip	60013-1551
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2023R0001321 LT 3 BLK 39 BRIGHT OAKS UNIT 1
Legal Subdivision	BRIGHT OAKS
Legal Block	39
Legal Lot Number	3
Legal Unit	1
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1022
Census Tract	871304

Owner

74 Bright Oaks Cir is owned and occupied by an individual who bought it in January 2023.

Source: McHenry County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	74 BRIGHT OAKS CIR, CARY, IL 60013-1551
Occupancy	Owner Occupied
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
Jun 3, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Jan 18, 2023	Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2023 · Amount on File
Deed Sale	Jan 18, 2023 · Amount on File
Prior Sale	Apr 30, 2002 · Amount on File
Deed Document Number	20231321
Prior Transfer Date	May 19, 2003
Prior Transfer Doc	0000077092
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Recording Date	Jun 3, 2026
Property Address	74 BRIGHT OAKS CIR, CARY, IL 60013-1551
Document Number	0000015448
Instrument Date	May 6, 2026
Instrument	202615448
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FREEDOM MORTGAGE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 BRIGHT OAKS CIR, CARY, IL 60013-1551
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015448,
Date	Jun 3, 2026
Instrument	202615448

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	320 Months
Due	Feb 1, 2053

Interest

Rate	6.37%
Max Rate	-1%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jan 18, 2023
Property Address	74 BRIGHT OAKS CIR, CARY, IL 60013-1551
Document Number	0000001321
Map Reference	DOC 577079
Instrument Date	Dec 29, 2022
Instrument	2023R0001321
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	PROPER TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	560 NUNDA TRL, CRYSTAL LAKE, IL 60012-3795

Mortgage

Document Number	0000001322
Date	Jan 18, 2023
Instrument	2023R0001322

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.12%

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of March 27, 2026

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
2024	$3,876.00	$54,029 Land $10,737 Building $43,292	$162,087 Land $32,211 Building $129,876
2022		$39,732 Land $8,667 Building $31,065	$119,196 Land $26,001 Building $93,195

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 74 Bright Oaks Cir in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (2001–2013)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jun 2013 · rainfall accumulation

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 74 Bright Oaks Cir 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 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.

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 314 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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