Kane County property record for 1004 Reserve Dr, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,500 sqft · built 2004 |
| Lot Size | 0.28 acres (1,218 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Jan 2009) |
| Tax Bill | $5,437 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-29-426-036 |
| Primary APN | 06-29-426-036 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,500 sqft Living Area |
| Gross Area | 2,286 sqft |
| Basement Area | 786 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Construction Type | Frame |
| Lot Area | 1,218 sqft (0.28 acres) |
| Lot Dimensions | 58 ft deep x 21 ft wide |
| Cooling System | HVAC |
|---|
| Street Address | 1004 RESERVE DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-8828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE RESERVE - LOT 1 DESC IN 2009K004203 |
| Legal Subdivision | THE RESERVE |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 851912 |
1004 Reserve Dr is owned and occupied by two individuals who bought it in January 2009.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1004 RESERVE DR, ELGIN, IL 60124-8828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2009 · Amount on File |
| Deed Sale | Jan 22, 2009 · Amount on File |
| Deed Document Number | 20094203 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1004 Reserve Dr was $5,437 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,437.00 Homeowner's exemption | $79,272 (+8.57%) Land $20,940 Building $58,332 | $237,911 (+8.57%) Land $62,845 Building $175,066 |
| 2024 | $73,015 Land $19,287 Building $53,728 | $219,133 Land $57,884 Building $161,248 | |
| 2022 | $4,695.00 (+4.78%) Homeowner's exemption | $60,147 (+6.96%) Land $15,888 Building $44,259 | $180,441 (+6.96%) Land $47,664 Building $132,777 |
| 2021 | $4,481.00 Homeowner's exemption | $56,233 Land $14,854 Building $41,379 | $168,699 Land $44,562 Building $124,137 |
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 1004 Reserve Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2020 · 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 risk around 1004 Reserve 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 96% of the US · lower than 74% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELGIN serves 114,797 people · EPA ID IL0894380 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 19 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 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.
Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| AT&T Fiber | 1,000 / 1,000 |
| Fox Valley Internet Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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