740 Harper Ave, Cary, IL 60013 Property Records

McHenry County property record for 740 Harper Ave, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,986 sqft · built 2004
Lot Size	1 acres (54,117 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Jul 2021)
Tax Bill	$7,167 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-14-431-004`

Property Details

APN / Parcel Number

Primary APN	`19-14-431-004`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,986 sqft Living Area
Basement Area	981 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Townhouse
Lot Area	54,117 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	740 HARPER AVE
City	CARY
State	IL
Zip	60013-3240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2021R0040675 UNIT 4 TWO OAKS CONDOS (LT 2 PLAZA RESUB)
Legal Subdivision	TWO OAKS CONDOS
Legal Lot Number	2
Legal Unit	4
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2016
Census Tract	871312

Owner

740 Harper Ave is owned and occupied by two individuals who bought it in July 2021.

Source: McHenry County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	740 HARPER AVE, CARY, IL 60013-3240
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 26, 2021	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Apr 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2021 · Amount on File
Deed Sale	Jul 26, 2021 · Amount on File
Prior Sale	Jul 26, 2021 · Amount on File
Deed Document Number	202140674
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Jul 26, 2021
Property Address	740 HARPER AVE, CARY, IL 60013-3240
Document Number	0000040674
Map Reference	DOC 94R48525
Instrument Date	Jul 13, 2021
Instrument	2021R0040674
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	740 HARPER AVE, CARY, IL 60013-3240

Mortgage

Document Number	0000040675
Date	Jul 26, 2021
Instrument	2021R0040675

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	740 HARPER AVE, CARY, IL 60013-3240
Document Number	0000011058
Instrument Date	Apr 17, 2019
Transaction Type	Mortgage
Record Updated	May 22, 2019
Title Company	MIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	740 HARPER AVE CARY IL 600133240, CARY, IL 60013-3240

Mortgage

Document Number	0000011058
Date	Apr 24, 2019
Instrument	11058

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 23, 2039

Interest

Rate Type	Adjustable Rate
Rate	3.87%

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	$7,167.00	$93,115 Land $23,243 Building $69,872	$279,345 Land $69,729 Building $209,616
2022	Homeowner's exemption	$85,358 Land $18,762 Building $66,596	$256,074 Land $56,286 Building $199,788

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 740 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 740 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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