86 Silver Tree Cir, Cary, IL 60013 Property Records

McHenry County property record for 86 Silver Tree Cir, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,574 sqft · built 1979
Lot Size	0.71 acres (3,080 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Apr 2026)
Tax Bill	$6,250 (2024)
Deeds & Mortgages	Apr 2026 Sale Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-12-101-079`

Property Details

APN / Parcel Number

Primary APN	`19-12-101-079`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,574 sqft Living Area
1st Floor Area	548 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	3,080 sqft (0.71 acres)
Lot Dimensions	88 ft deep x 35 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	86 SILVER TREE CIR
City	CARY
State	IL
Zip	60013-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2003R0151406 LT 175 BRIGHT OAKS UNIT 3 PHASE 2
Legal Subdivision	BRIGHT OAKS UNIT 3 PHASE 2
Legal Phase	2
Legal Block	101
Legal Lot Number	175
Legal Unit	3
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1022
Census Tract	871304

Owner

Source: McHenry County records, as of May 8, 2026

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	805 LEICESTER RD, 211, ELK GROVE VILLAGE, IL 60007-7323
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Re-recorded Document E-CHICAGO TITLE, CHICAGO TITLE
Mar 23, 2026	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE FIRST MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2026 · Amount on Record
Deed Sale	Apr 28, 2026 · Amount on Record
Prior Sale	Mar 23, 2026 · Amount on Record
Deed Document Number	202611511
Prior Transfer Date	Nov 12, 1996
Record Updated	Oct 29, 2026

April 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MCHENRY IL
Recording Date	Apr 28, 2026
Property Address	86 SILVER TREE CIR, CARY, IL 60013-1554
Document Number	0000011511
Instrument Date	Apr 28, 2026
Instrument	202611511
Record Updated	Aug 28, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$40,905.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 LEICESTER RD, 211, ELK GROVE VILLAGE, IL 60007-7323

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Mar 23, 2026
Property Address	86 SILVER TREE CIR, CARY, IL 60013-1554
Document Number	0000007594
Map Reference	DOC 742409
Instrument Date	Feb 25, 2026
Instrument	2026R0007594
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 LEICESTER RD APT 211, 211, ELK GROVE VILLAGE, IL 60007-7323

Mortgage

Document Number	0000007595
Date	Mar 23, 2026
Instrument	2026R0007595

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.87%

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	$6,250.00	$74,224 (+42.62%) Land $12,923 Building $61,301	$222,672 (+42.62%) Land $38,769 Building $183,903
2022		$52,043 Land $10,431 Building $41,612	$156,129 Land $31,293 Building $124,836

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (2001–2013)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jun 2013 · 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

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 189 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: Verizon.

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