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Single Family ResidenceResidential
$639,946$174 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $346,500 on Oct 10, 2017

540 SPRUCE TREE DR

CARY, IL 60013
4
Beds
3
Baths
3,677 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.41 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$640K
$596K low$684K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$346,500 · Oct 10, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,542 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$168,801 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$34,869
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$133,932
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$150,971
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$506,403

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMcHenry
HeatingThe type of heating system in the home.Forced Air

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Three Oaks Elementary SchoolB-
Elementary · Grades KG–5 · 0.6 mi
H
Cary-Grove High SchoolA-
High · Grades 9–12 · 1.1 mi
M
Cary Junior High SchoolB
Middle · Grades 6–8 · 1.4 mi

District: Community High School District 155

Neighborhood · ZIP 60013These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.65
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.110
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.48

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.25,325
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,673 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$120,918
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$143,697
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.36 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

540 Spruce Tree Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 94% of homes in McHenry County
  • Costs less per square foot than 81% of homes in Cary 60013
  • Bigger than 95% of homes in McHenry County
  • Has a bigger lot than 76% of homes in Cary 60013
  • Newer than 70% of homes in Cary 60013

What homes are worth in Cary 60013

Each bar is how many homes fall in that price range. The marker is this home.

This home
$209K$806K

This home is worth more than 92% of homes in Cary 60013.

How it measures up in Cary 60013

The dot is this home. The mark in the middle is the typical home in Cary 60013.

Estimated value$639,946
CheaperTypical $375,905Pricier

Pricier than 92% of homes nearby

Price per ft²$174
CheaperTypical $206Pricier

Pricier than 19% of homes nearby

Living area3,677 ft²
SmallerTypical 1,870 ft²Bigger

Bigger than 94% of homes nearby

Lot size0.41 ac
SmallerTypical 0.25 acBigger

Bigger than 76% of homes nearby

Year built1992
OlderTypical 1987Newer

Newer than 70% of homes nearby

How 540 Spruce Tree Dr ranks against every home in each area.
MeasureThis homeCary 60013McHenry County
Estimated valuepricier than$639,94692% of homes94% of homes
Price per ft²pricier than$17419% of homes20% of homes
Living areabigger than3,677 ft²94% of homes95% of homes
Lot sizebigger than0.41 ac76% of homes69% of homes
Year builtnewer than199270% of homes57% of homes

About 540 Spruce Tree Dr

How much is 540 Spruce Tree Dr, Cary, IL worth?

The TopHap Estimate for 540 Spruce Tree Dr, Cary, IL is $639,946 as of Sep 24, 2026. The likely range is $595,833 to $684,059. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 540 Spruce Tree Dr, Cary, IL last sell?

540 Spruce Tree Dr, Cary, IL last sold on Oct 10, 2017 for $346,500, according to the county's recorded deed.

How big is 540 Spruce Tree Dr, Cary, IL?

540 Spruce Tree Dr, Cary, IL has 4 bedrooms, 3 bathrooms and 3,677 square feet of living space.

When was 540 Spruce Tree Dr, Cary, IL built?

540 Spruce Tree Dr, Cary, IL was built in 1992, making it 34 years old. The building has 2 stories.

What schools serve 540 Spruce Tree Dr, Cary, IL?

540 Spruce Tree Dr, Cary, IL is assigned to Three Oaks Elementary School (elementary), rated B-; Cary-Grove High School (high), rated A-; Cary Junior High School (middle), rated B. All sit in Community High School District 155. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 540 Spruce Tree Dr, Cary, IL compare to other homes in Cary 60013?

Among the 9,587 homes in Cary 60013, it is worth more than 92% of them ($639,946 against a typical $375,905), its price per square foot is higher than 19% of them ($174 against a typical $206), it is bigger than 94% of them (3,677 ft² against a typical 1,870 ft²), its lot is bigger than 76% of them (0.41 ac against a typical 0.25 ac) and it is newer than 70% of them (1992 against a typical 1987). Measured against all of McHenry County, it is worth more than 94% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 540 Spruce Tree Dr, Cary, IL?

The 2024 property tax bill for 540 Spruce Tree Dr, Cary, IL was $13,542. The county assessed it at $168,801.

More homes on Spruce Tree Dr

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