10 Willoughby Ct, Algonquin, IL 60102 Property Records

Kane County property record for 10 Willoughby Ct, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,650 sqft · built 1993
Lot Size	0.445 acres (19,397 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Sep 2018)
Tax Bill	$10,655 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-05-276-018`

Property Details

APN / Parcel Number

Primary APN	`03-05-276-018`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,650 sqft Living Area
Gross Area	4,319 sqft
1st Floor Area	1,509 sqft
Basement Area	1,249 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Lot Area	19,397 sqft (0.445 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	10 WILLOUGHBY CT
City	ALGONQUIN
State	IL
Zip	60102-5157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 74 IN WILLOUGHBY FARMS UNIT 15
Legal Subdivision	WILLOUGHBY FARMS
Legal Block	4
Legal Lot Number	74
Legal Unit	15
Jurisdiction	KANE IL
Township / Civil Division	DUNDEE
Census Block Group	4
Census Block	4009
Census Tract	850106

Owner

10 Willoughby Ct is owned and occupied by two individuals who bought it in September 2018.

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	10 WILLOUGHBY CT, ALGONQUIN, IL 60102-5157
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 14, 2018	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2018 · Amount on File
Deed Sale	Sep 14, 2018 · Amount on File
Prior Sale	Apr 24, 2012 · Amount on File
Deed Document Number	201845110
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	10 WILLOUGHBY CT, ALGONQUIN, IL 60102-5157
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034374
Date	Jun 29, 2020
Instrument	2020K034374

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 14, 2018
Property Address	10 WILLOUGHBY CT, ALGONQUIN, IL 60102-5157
Document Number	0000045110
Instrument Date	Aug 7, 2018
Instrument	2018K045110
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	NLT TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1321 JOANNE TER, BYRON, IL 61010-9725

Mortgage

Document Number	0000045111
Date	Sep 14, 2018
Instrument	2018K045111

Lender

Name	CARDINAL FINANCE CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.99%

Tax Assessment & Valuation

The 2025 property tax bill for 10 Willoughby Ct was $10,655 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Algonquin Village
County	Kane County
County Subdivision	Dundee Township
Unified School District	Community Unit School District 300 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,655.00 Homeowner's exemption	$155,183 (+9.42%) Land $30,655 Building $124,528	$465,735 (+9.42%) Land $92,002 Building $373,733
2024		$141,823 Land $28,016 Building $113,807	$425,639 Land $84,082 Building $341,558
2022	$9,235.00 (+3.12%) Homeowner's exemption	$118,116 (+5.91%) Land $25,208 Building $92,908	$354,348 (+5.91%) Land $75,624 Building $278,724
2021	$8,956.00 Homeowner's exemption	$111,525 Land $23,801 Building $87,724	$334,575 Land $71,403 Building $263,172

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

FEMA maps place 10 Willoughby Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · 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
Nearby Flood Policies	1 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.

Wildfire

The area around 10 Willoughby Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ALGONQUIN serves 30,700 people · EPA ID IL1110050
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2026–2028) action level 15 ppb
Copper	1.6 mg/L (2022–2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 239 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
AT&T DSL	100 / 20

May also be available: Verizon.

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