McHenry County property record for 965 Ridgewood Dr, Cary, IL 60013
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,280 sqft · built 1990 |
| Lot Size | 0.305 acres (13,276 sqft) |
| Owner | Individual Name on File |
| Last Sale | $287,000 (Mar 2018) |
| Tax Bill | $9,204 (2024) |
| Deeds & Mortgages | Nov 2020 Mortgage Mar 2018 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-14-377-001 |
| Primary APN | 19-14-377-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,280 sqft Living Area |
| 1st Floor Area | 1,140 sqft |
| Basement Area | 1,140 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Colonial |
| Lot Area | 13,276 sqft (0.305 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 965 RIDGEWOOD DR |
|---|---|
| City | CARY |
| State | IL |
| Zip | 60013-3212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2018R0007112 LT 65 AMENDED PER REREC FOX TRAILS PHASE 1 |
| Legal Subdivision | FOX TRAILS PHASE 1 |
| Legal Phase | 1 |
| Legal Block | 377 |
| Legal Lot Number | 65 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 871312 |
965 Ridgewood Dr is owned and occupied by an individual who bought it in March 2018.
Source: McHenry County records, as of March 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 965 RIDGEWOOD DR, CARY, IL 60013-3212 |
| 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.
| Date | Document |
|---|---|
| Nov 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Mar 7, 2018 | Grant Deed, Foreclosure · Conventional with PMI PARKSIDE LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 7, 2018 · Amount on File |
| Deed Sale | Mar 7, 2018 · Amount on File |
| Prior Sale | Apr 17, 1995 · Amount on File |
| Deed Document Number | 20187112 |
| Prior Transfer Date | Feb 2, 2018 |
| Prior Transfer Doc | 0000007112 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 965 RIDGEWOOD DR, CARY, IL 60013-3212 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000047955 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 2020R0047955 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2035 |
| Rate | 2.75% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Mar 7, 2018 |
| Property Address | 965 RIDGEWOOD DR, CARY, IL 60013-3212 |
| Document Number | 0000007112 |
| Instrument Date | Feb 2, 2018 |
| Instrument | 7112 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 6, 2018 |
| Title Company | HERITAGE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $430.50 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 965 RIDGEWOOD DR CARY IL 600133212, CARY, IL 60013-3212 |
| Document Number | 7113 |
|---|---|
| Date | Mar 7, 2018 |
| Instrument | 7113 |
| Name | PARKSIDE LNDG |
|---|---|
| Address | SAN FRANCISCO, CA 94103 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 6, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
Source: McHenry County assessment roll, as of March 27, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $9,204.00 | $117,297 Land $9,852 Building $107,445 | $351,891 Land $29,556 Building $322,335 |
| 2022 | Homeowner's exemption | $94,595 Land $10,008 Building $84,587 | $283,785 Land $30,024 Building $253,761 |
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.
FEMA maps place 965 Ridgewood Dr 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 risk around 965 Ridgewood Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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