827 Big Bear Trl, Cary, IL 60013 Property Records

McHenry County property record for 827 Big Bear Trl, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,195 sqft · built 1991
Lot Size	0.243 acres (10,589 sqft)
Owner	Individual Name on File
Tax Bill	$8,912 (2024)
Deeds & Mortgages	Dec 2022 Transfer Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-11-480-007`

Property Details

APN / Parcel Number

Primary APN	`19-11-480-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,195 sqft Living Area
1st Floor Area	1,203 sqft
Basement Area	930 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	10,589 sqft (0.243 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	827 BIG BEAR TRL
City	CARY
State	IL
Zip	60013-3303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0038072 LT 104 CIMARRON UNIT 3
Legal Subdivision	CIMARRON UNIT 3
Legal Block	480
Legal Lot Number	104
Legal Unit	3
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2003
Census Tract	871312

Owner

827 Big Bear Trl is owned and occupied by an individual who acquired it in December 2022.

Source: McHenry County records, as of March 27, 2026

Owner of Record	Individual Name on File
Mailing Address	827 BIG BEAR TRL, CARY, IL 60013-3303
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
Dec 13, 2022	Transfer on Death Deed, Transfer
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Mar 3, 2017	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Nov 6, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 7, 2022
Transfer Doc	0000040973
Record Updated	Sep 20, 2026

December 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MCHENRY IL
Recording Date	Dec 13, 2022
Property Address	827 BIG BEAR TRL, CARY, IL 60013-3303
Document Number	0000040973
Map Reference	DOC 90R27270
Instrument Date	Dec 7, 2022
Instrument	2022R0040973
Transaction Type	Transfer
Record Updated	Dec 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	827 BIG BEAR TRL, CARY, IL 60013-3303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 BIG BEAR TRL, CARY, IL 60013-3303

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	827 BIG BEAR TRL, CARY, IL 60013-3303
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006070
Date	Feb 2, 2021
Instrument	2021R0006070

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	827 BIG BEAR TRL, CARY, IL 60013-3303
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007704
Date	Mar 3, 2017
Instrument	2017R0007704

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 2, 2047

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCHENRY IL
Recording Date	Nov 6, 2019
Property Address	827 BIG BEAR TRL, CARY, IL 60013-3303
Document Number	0000038072
Map Reference	DOC 90R27270
Instrument Date	Oct 17, 2019
Instrument	2019R0038072
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 BIG BEAR TRL, CARY, IL 60013-3303

Mortgage

Document Number	0000038073
Date	Nov 6, 2019
Instrument	2019R0038073

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed 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	$8,912.00	$113,831 Land $23,364 Building $90,467	$341,493 Land $70,092 Building $271,401
2022	Homeowner's exemption	$100,571 Land $22,610 Building $77,961	$301,713 Land $67,830 Building $233,883

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 827 Big Bear Trl 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

The area around 827 Big Bear Trl 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 454 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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