855 Harper Ct, Cary, IL 60013 Property Records

McHenry County property record for 855 Harper Ct, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,480 sqft · built 1993
Lot Size	0.833 acres (36,271 sqft)
Owner	Trust Name on File
Last Sale	$159,500 (Oct 1999)
Tax Bill	$4,675 (2024)
Deeds & Mortgages	May 2021 Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-14-404-001`

Property Details

APN / Parcel Number

Primary APN	`19-14-404-001`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Building Area	2,480 sqft Living Area
Basement Area	1,417 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Low Rise
Lot Area	36,271 sqft (0.833 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	855 HARPER CT
City	CARY
State	IL
Zip	60013-3225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2002R0059697 UNIT 855 HERITAGE OAKS TOWNHOMES CONDO (PT LT 1 CARY OAKS SUB PHASE 4) MEMO: STAVE, RONALD D TR/STAVE, JOMARIE TR
Legal Subdivision	HERITAGE OAKS TOWNHOMES CONDO
Legal Phase	4
Legal Block	404
Legal Lot Number	1
Legal Unit	855
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	3
Census Block	3000
Census Tract	871312

Owner

855 Harper Ct is held in a trust since October 2001.

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

Owner of Record	Trust Name on File
Mailing Address	855 HARPER CT, CARY, IL 60013-3225
Owner Type	Company
Vesting	Trust

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
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE NATIONAL BANK & TRUST CO
Aug 21, 2018	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 1999 · Amount on File
Deed Sale	Oct 4, 1999 · Amount on File
Prior Sale	Dec 2, 1996 · Amount on File
Deed Document Number	199969088
Last Transfer Date	Oct 5, 2001
Transfer Doc	0000086459
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	855 HARPER CT, CARY, IL 60013-3225
Transaction Type	Mortgage
Record Updated	May 14, 2021
Title Company	ACQUEST TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024179
Date	May 4, 2021
Instrument	2021R0024179

Lender

Name	CORNERSTONE NATIONAL BANK & TRUST CO
Type	Bank
Address	PALATINE, IL 60067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	855 HARPER CT, CARY, IL 60013-3225
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028648
Date	Aug 21, 2018
Instrument	2018R0028648

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.44%

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	$4,675.00	$71,519 Land $15,494 Building $56,025	$214,557 Land $46,482 Building $168,075
2022	Homeowner's exemption	$60,757 Land $12,506 Building $48,251	$182,271 Land $37,518 Building $144,753

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 855 Harper Ct 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 855 Harper Ct 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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 225 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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