1009 Reserve Dr, Elgin, IL 60124 Property Records

Kane County property record for 1009 Reserve Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,626 sqft · built 2004
Lot Size	0.28 acres (1,218 sqft)
Owner	Individual Name on File
Last Sale	$197,500 (Oct 2019)
Tax Bill	$5,976 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-29-427-016`

Property Details

APN / Parcel Number

Primary APN	`06-29-427-016`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,626 sqft Living Area
Gross Area	2,439 sqft
Basement Area	813 sqft

Exterior

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

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1009 RESERVE DR
City	ELGIN
State	IL
Zip	60124-8828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RESERVE PT OF LOT 3 DESC IN DOC 2004K132919 DATED 10-13-04
Legal Subdivision	THE RESERVE
Legal Block	2
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2001
Census Tract	851912

Owner

1009 Reserve Dr is owned and occupied by an individual who bought it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1009 RESERVE DR, ELGIN, IL 60124-8828
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2019 · Amount on File
Deed Sale	Oct 21, 2019 · Amount on File
Prior Sale	Oct 13, 2004 · Amount on File
Deed Document Number	201949975
Prior Transfer Date	Dec 2, 2014
Prior Transfer Doc	0000032236
Record Updated	Oct 29, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 21, 2019
Property Address	1009 RESERVE DR, ELGIN, IL 60124-8828
Document Number	0000049975
Map Reference	DOC 2004K044951
Instrument Date	Oct 10, 2019
Instrument	2019K049975
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$197.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1009 RESERVE DR, ELGIN, IL 60124-8828
Investor	Possibly a Property Investor

Mortgage

Document Number	0000049976
Date	Oct 21, 2019
Instrument	2019K049976

Lender

Name	PARKSIDE LENDING LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.62%

Mortgage

Document Number	0000049977
Date	Oct 21, 2019
Instrument	2019K049977

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1009 Reserve Dr was $5,976 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,976.00 Homeowner's exemption	$86,344 (+8.57%) Land $20,940 Building $65,404	$259,136 (+8.57%) Land $62,845 Building $196,291
2024		$79,528 Land $19,287 Building $60,241	$238,679 Land $57,884 Building $180,795
2022	$5,160.00 (+4.69%) Homeowner's exemption	$65,512 (+6.96%) Land $15,888 Building $49,624	$196,536 (+6.96%) Land $47,664 Building $148,872
2021	$4,929.00 Homeowner's exemption	$61,249 Land $14,854 Building $46,395	$183,747 Land $44,562 Building $139,185

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 1009 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

Wildfire risk around 1009 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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