McHenry County property record for 975 White Pine Dr, Cary, IL 60013
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,678 sqft · built 1989 |
| Lot Size | 0.296 acres (12,909 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $575,000 (Oct 2025) |
| Tax Bill | $10,764 (2024) |
| Deeds & Mortgages | Dec 2025 Transfer Oct 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-07-427-001 |
| Primary APN | 20-07-427-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,678 sqft Living Area |
| 1st Floor Area | 1,410 sqft |
| Basement Area | 1,216 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Colonial |
| Lot Area | 12,909 sqft (0.296 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 975 WHITE PINE DR |
|---|---|
| City | CARY |
| State | IL |
| Zip | 60013-3155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2020R0001281 LT 94 THE PINES UNIT 1 |
| Legal Subdivision | THE PINES UNIT 1 |
| Legal Block | 427 |
| Legal Lot Number | 94 |
| Legal Unit | 1 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | ALGONQUIN |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 871307 |
Source: McHenry County records, as of March 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 975 WHITE PINE DR, CARY, IL 60013-3155 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Dec 1, 2025 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Oct 2, 2025 | Deed, Transfer · Conventional Mortgage WATERMAN BANK |
| Mar 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME STATE BANK NA |
| Jan 10, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2025 · Amount on Record |
| Deed Sale | Oct 2, 2025 · Amount on Record |
| Prior Sale | Dec 21, 1993 · Amount on Record |
| Deed Document Number | 202527139 |
| Prior Transfer Date | Jan 12, 1994 |
| Prior Transfer Doc | 0000006783 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Dec 1, 2025 |
| Property Address | 975 WHITE PINE DR, CARY, IL 60013-3155 |
| Document Number | 0000033666 |
| Map Reference | DOC 88R004607 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 2025R0033666 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 975 WHITE PINE DR, CARY, IL 60013-3155 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Oct 2, 2025 |
| Property Address | 975 WHITE PINE DR, CARY, IL 60013-3155 |
| Document Number | 0000027139 |
| Map Reference | DOC 88R004607 |
| Instrument Date | Sep 24, 2025 |
| Instrument | 2025R0027139 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $575.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 975 WHITE PINE DR, CARY, IL 60013-3155 |
| Document Number | 0000027140 |
|---|---|
| Date | Oct 2, 2025 |
| Instrument | 2025R0027140 |
| Name | WATERMAN BANK |
|---|---|
| Type | Bank |
| Address | LEDYARD, IA 50556 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 975 WHITE PINE DR, CARY, IL 60013-3155 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000013226 |
|---|---|
| Date | Mar 10, 2021 |
| Instrument | 2021R0013226 |
| Name | HOME STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CRYSTAL LAKE, IL 60014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 117 Months |
| Due | Dec 1, 2030 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jan 10, 2020 |
| Property Address | 975 WHITE PINE DR, CARY, IL 60013-3155 |
| Document Number | 0000001281 |
| Instrument Date | Mar 4, 2016 |
| Instrument | 1281 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 975 WHITE PINE DR CARY IL 600133155, CARY, IL 60013-3155 |
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 | $10,764.00 Homeowner's exemption | $135,825 (+12.73%) Land $23,699 Building $112,126 | $407,475 (+12.73%) Land $71,097 Building $336,378 |
| 2022 | Homeowner's exemption | $120,484 Land $29,149 Building $91,335 | $361,452 Land $87,447 Building $274,005 |
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.
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 | 4 in force |
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.
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.
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 358 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 |
| AT&T Fixed Wireless · DSL in parts of the area | 100 / 20 |
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