85 E Margaret Ter, Cary, IL 60013 Property Records

McHenry County property record for 85 E Margaret Ter, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,192 sqft · built 1992
Lot Size	0.221 acres (9,660 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Sep 2019)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-07-308-005`

Property Details

APN / Parcel Number

Primary APN	`20-07-308-005`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,192 sqft
Gross Area	2,552 sqft
1st Floor Area	1,282 sqft
2nd Floor Area	910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Architectural Style	Colonial
Exterior Material	Brick/Wood
Lot Area	9,660 sqft
Lot Dimensions	138 ft deep x 70 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	85 E MARGARET TER
City	CARY
State	IL
Zip	60013-2186
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2019R0029548 LT 4 BLOSSOM HILL SUB
Legal Range	09E
Legal Township	43N
Legal Section	07
Legal Subdivision	BLOSSOM HILL
Legal Block	308
Legal Lot Number	4
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3006
Census Tract	871307

Owner

85 E Margaret Ter is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	85 E MARGARET TER, CARY, IL 60013-2186
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
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Sep 5, 2019	Deed of Trust, Mortgage · Conventional with PMI FAIRWAY INDEPENDENT MTG
Sep 10, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2019 · Amount on File
Deed Sale	Sep 10, 2019 · Amount on File
Prior Sale	Jun 30, 2014 · Amount on File
Deed Document Number	2019R0029548
Record Updated	Jun 7, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	85 E MARGARET TER, CARY, IL 60013-2186
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040280
Date	Oct 1, 2020
Instrument	2020R0040280

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate	2.99%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	85 E MARGARET TER, CARY, IL 60013-2186
Document Number	0000029549
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Sep 18, 2019
Title Company	USI

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 E MARGARET TER CARY IL 600132186, CARY, IL 60013-2186

Mortgage

Document Number	0000029549
Date	Sep 10, 2019
Instrument	29549

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2049

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 10, 2019
Property Address	85 E MARGARET TER, CARY, IL 60013-2186
Document Number	0000029548
Map Reference	DOC 88R022558
Instrument Date	Sep 5, 2019
Instrument	2019R0029548
Transaction Type	Transfer
Record Updated	May 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$397.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85 E MARGARET TER, 85, CARY, IL 60013-2186

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	85 E MARGARET TER, CARY, IL 60013-2186

Mortgage

Document Number	0000029549
Date	Sep 10, 2019
Instrument	2019R0029549

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

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	$105,869 Land $27,923 Building $77,946	$317,607 Land $83,769 Building $233,838

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 85 E Margaret Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2004)
Most Recent Claim	Sep 2004 · 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 85 E Margaret Ter 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 342 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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