93 Pine Cir, Cary, IL 60013 Property Records

McHenry County property record for 93 Pine Cir, Cary, IL 60013

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,304 sqft · built 1980
Lot Size	0.53 acres (2,288 sqft)
Owner	Individual Name on Record
Last Sale	$257,000 (Sep 2026)
Tax Bill	$4,522 (2024)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-12-105-002`

Property Details

APN / Parcel Number

Primary APN	`19-12-105-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,304 sqft Living Area
1st Floor Area	654 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Frame Siding
Lot Area	2,288 sqft (0.53 acres)
Lot Dimensions	88 ft deep x 26 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	93 PINE CIR
City	CARY
State	IL
Zip	60013-1546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 2018R0012590 LT 91 BRIGHT OAKS UNIT 3 PHASE 2
Legal Subdivision	BRIGHT OAKS UNIT 3 PHASE 2
Legal Phase	2
Legal Block	105
Legal Lot Number	91
Legal Unit	3
Jurisdiction	MCHENRY IL
Township / Civil Division	ALGONQUIN
Census Block Group	1
Census Block	1028
Census Tract	871304

Owner

Source: McHenry County records, as of October 13, 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	93 PINE CIR, CARY, IL 60013-1546
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME STATE BANK
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP
Dec 13, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2026 · Amount on Record
Deed Sale	Sep 15, 2026 · Amount on Record
Prior Sale	Apr 20, 2018 · Amount on Record
Deed Document Number	202626896
Prior Transfer Date	Apr 13, 2018
Prior Transfer Doc	0000012590
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY IL
Recording Date	Sep 15, 2026
Property Address	93 PINE CIR, CARY, IL 60013-1546
Document Number	0000026896
Instrument Date	Aug 24, 2026
Instrument	202626896
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,935.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 PINE CIR, CARY, IL 60013-1546

Mortgage

Document Number	0000026897,
Date	Sep 15, 2026
Instrument	202626897

Lender

Name	HOME STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.25%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000026898,
Date	Sep 15, 2026
Instrument	202626898

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	93 PINE CIR, CARY, IL 60013-1546
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005448
Date	Jan 29, 2021
Instrument	2021R0005448

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company
Address	PALATINE, IL 60074

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.62%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCHENRY IL
Property Address	93 PINE CIR, CARY, IL 60013-1546
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046006
Date	Dec 13, 2017
Instrument	2017R0046006

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 20, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,522.00	$61,703 (+30.38%) Land $12,923 Building $48,780	$185,109 (+30.38%) Land $38,769 Building $146,340
2022	Homeowner's exemption	$47,326 Land $10,431 Building $36,895	$141,978 Land $31,293 Building $110,685

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
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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