845 Big Bear Trl, Cary, IL 60013 Property Records

McHenry County property record for 845 Big Bear Trl, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,529 sqft · built 1992
Lot Size	0.221 acres (9,646 sqft)
Owner	Individual Name on Record
Last Sale	$273,500 (May 2019)
Deeds & Mortgages	Jun 2023 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-11-480-006`

Property Details

APN / Parcel Number

Primary APN	`19-11-480-006`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,529 sqft
Gross Area	3,553 sqft
1st Floor Area	1,243 sqft
2nd Floor Area	1,286 sqft

Exterior

Year Built	Built 1992
Architectural Style	Colonial
Exterior Material	Ribbed Aluminum
Lot Area	9,646 sqft (0.221 acres)
Lot Dimensions	132 ft deep x 70 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	845 BIG BEAR TRL
City	CARY
State	IL
Zip	60013-3303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0013657 LT 105 CIMARRON UNIT 3
Legal Range	08E
Legal Township	43N
Legal Section	11
Legal Subdivision	CIMARRON #3
Legal Block	480
Legal Lot Number	105
Legal Unit	3
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	2
Census Block	2003
Census Tract	871312

Owner

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

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
Mailing Address	845 BIG BEAR TRL, CARY, IL 60013-3303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
May 15, 2019	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2019 · Amount on Record
Deed Sale	May 15, 2019 · Amount on Record
Prior Sale	Apr 4, 2013 · Amount on Record
Deed Document Number	WARRANTY DEED
Record Updated	Jun 7, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	845 BIG BEAR TRL, CARY, IL 60013-3303
Transaction Type	Mortgage
Record Updated	Jul 10, 2023
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014740
Date	Jun 21, 2023
Instrument	2023R0014740

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	9.6%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2028
Change Frequency	5 Years
Min Rate At Change	7.6%
Max Rate At Change	11.1%
Index	5-Year CMT
Margin	4
Max Rate	14.6%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	May 15, 2019
Property Address	845 BIG BEAR TRL, CARY, IL 60013-3303
Document Number	0000013657
Map Reference	DOC 90R27270
Instrument Date	Apr 30, 2019
Instrument	2019R0013657
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 BIG BEAR TRL, CARY, IL 60013-3303

Mortgage

Document Number	0000013658
Date	May 15, 2019
Instrument	2019R0013658

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	$104,398 Land $22,610 Building $81,788	$313,194 Land $67,830 Building $245,364

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	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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