745 Harper Ave, Cary, IL 60013 Property Records

McHenry County property record for 745 Harper Ave, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Owner	Individual Name on Record
Last Sale	$405,000 (Oct 2025)
Tax Bill	$9,849 (2024)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-14-429-009`

Property Details

APN / Parcel Number

Primary APN	`19-14-429-009`

Location & Zoning

Street Address	745 HARPER AVE
City	CARY
State	IL
Zip	60013-3240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2020R0043869 LT 3 HARPER POINTE
Legal Subdivision	HARPER POINTE
Legal Lot Number	3
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3000
Census Tract	871312

Owner

Source: McHenry County records, as of November 12, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	745 HARPER AVE, CARY, IL 60013-3240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Oct 20, 2020	Warranty Deed, Transfer · Conventional Mortgage GREAT LAKES HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Prior Sale	Oct 20, 2020 · Amount on Record
Deed Document Number	2025R0030246
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Oct 30, 2025
Property Address	745 HARPER AVE, CARY, IL 60013-3240
Document Number	0000030246
Map Reference	DOC 2018R0020914
Instrument Date	Oct 21, 2025
Instrument	2025R0030246
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 PARKSTONE DR, CARY, IL 60013-1170

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	745 HARPER AVE, CARY, IL 60013-3240

Mortgage

Document Number	0000030247
Date	Oct 30, 2025
Instrument	2025R0030247

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.5%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Oct 20, 2020
Property Address	745 HARPER AVE, CARY, IL 60013-3240
Document Number	0000043869
Map Reference	DOC 2018R0020914
Instrument Date	Oct 6, 2020
Instrument	2020R0043869
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	371 OGRT DRIVE, WOOD DALE, IL 60191

Mortgage

Document Number	0000043870
Date	Oct 20, 2020
Instrument	2020R0043870

Lender

Name	GREAT LAKES HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of January 1, 2024

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	$9,849.00 Homeowner's exemption	$124,961 (+29.95%) Land $8,616 Building $116,345	$374,883 (+29.95%) Land $25,848 Building $349,035
2022	Homeowner's exemption	$96,159 Land $6,955 Building $89,204	$288,477 Land $20,865 Building $267,612

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

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

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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