1011 Reserve Dr, Elgin, IL 60124 Property Records

Kane County property record for 1011 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	2 Individual Names on Record
Last Sale	$316,500 (Mar 2026)
Tax Bill	$5,976 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-29-427-021`

Property Details

APN / Parcel Number

Primary APN	`06-29-427-021`

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	1011 RESERVE DR
City	ELGIN
State	IL
Zip	60124-8828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RESERVE - LOT 4 AS DESC IN SUB PLAT 2004K044951 04/13/2004 (EX THOSE PTS AS DESC IN DOCS 2004K131400, 2004K134508, 2004K134512, 2005K002879 & 2005K006194)
Legal Subdivision	THE RESERVE
Legal Block	2
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2001
Census Tract	851912

Owner

Source: Kane County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	247 S PARK PLACE DR, BARTLETT, IL 60103-4412
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA
Mar 6, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
May 3, 2021	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2026 · Amount on Record
Deed Sale	Mar 6, 2026 · Amount on Record
Prior Sale	May 3, 2021 · Amount on Record
Deed Document Number	20269109
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1011 RESERVE DR, ELGIN, IL 60124-8828
Transaction Type	Mortgage
Record Updated	Mar 18, 2026
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LOAN MOD SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 RESERVE DR, ELGIN, IL 60124-8828

Mortgage

Document Number	0000036124
Date	Oct 16, 2023
Instrument	2023K036124

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	May 1, 2051

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 6, 2026
Property Address	1011 RESERVE DR, ELGIN, IL 60124-8828
Document Number	0000009109
Map Reference	DOC 2004K044951
Instrument Date	Feb 10, 2026
Instrument	2026K009109
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$316.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1011 RESERVE DR # 240, 240, ELGIN, IL 60124-8828

Mortgage

Document Number	0000009110
Date	Mar 6, 2026
Instrument	2026K009110

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 3, 2021
Property Address	1011 RESERVE DR, ELGIN, IL 60124-8828
Document Number	0000034321
Map Reference	DOC 2004K044951
Instrument Date	Apr 26, 2021
Instrument	2021K034321
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	MANT TITLE AGENCY, GMT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 RESERVE DR, ELGIN, IL 60124-8828

Mortgage

Document Number	0000034322
Date	May 3, 2021
Instrument	2021K034322

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate	3.25%

Tax Assessment & Valuation

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 (-6.1%)	$86,344 (+8.57%) Land $20,940 Building $65,404	$259,136 (+8.57%) Land $62,845 Building $196,291
2024	$6,364.00 (+12.04%)	$79,528 (+21.39%) Land $19,287 Building $60,241	$238,679 (+21.44%) Land $57,884 Building $180,795
2022	$5,680.00 (+15.24%)	$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

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

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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