Kane County property record for 1012 Spinnaker St, Elgin, IL 60123 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1999 |
| Square Footage | 2,430 sqft Living Area |
| Lot Size | 10,019 sqft (0.23 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $287,500 (2018) |
| Tax Bill | $11,169.00 (2025) |
| Primary APN | 06-28-378-012 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,430 sqft Living Area |
| Gross Area | 3,645 sqft Gross Area |
| Basement Area | 1,215 sqft Basement |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Lot Area | 10,019 sqft (0.23 acres) |
| Depth X Width | 60 ft x 120 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 1012 SPINNAKER ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-8585 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HEARTLAND MEADOWS UNIT 10 (WILLOW BAY) LOT 818 |
| Legal Subdivision | HEARTLAND MEADOWS |
| Legal Block | 4 |
| Legal Lot Number | 818 |
| Legal Unit | 10 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 4 |
| Census Block | 4003 |
| Census Tract | 851907 |
Source: Kane County records · APN 06-28-378-012
Assessment roll updated August 25, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1012 SPINNAKER ST, ELGIN, IL 60123-8585 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 29, 2018 | Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC |
| Oct 24, 2018 | Grant Deed, Transfer CHICAGO TITLE COMPANY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 24, 2018 · Amount on Record |
| Deed Sale | Oct 24, 2018 · Amount on Record |
| Prior Sale | Aug 29, 2018 · Amount on Record |
| Deed Doc Number | 201852108 |
| Prior Transfer Date | Oct 19, 2015 |
| Prior Transfer Doc | 0000062374 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 29, 2018 |
| Property Address | 1012 SPINNAKER ST, ELGIN, IL 60123-8585 |
| Document Number | 0000042539 |
| Map Reference | DOC95K046770 |
| Instrument Date | Aug 21, 2018 |
| Instrument | 2018K042539 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $287.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1012 SPINNAKER ST, 1012, ELGIN, IL 60123-8585 |
| Name | Verified Name |
|---|---|
| Address | 1012 SPINKIN ST, HANOVER PARK, IL 60133 |
| Document Number | 0000042540 |
|---|---|
| Date | Aug 29, 2018 |
| Instrument | 2018K042540 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 24, 2018 |
| Property Address | 1012 SPINNAKER ST, ELGIN, IL 60123-8585 |
| Document Number | 0000052108 |
| Instrument Date | Aug 02, 2018 |
| Instrument | 52108 |
| Transaction Type | Transfer |
| Record Updated | Nov 05, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $430.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 425 HUEHL RD NORTHBROOK IL 600622319, NORTHBROOK, IL 60062-2319 |
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,169.00 (+15.89%) Homeowner's exemption | ||
| 2024 | $142,224 (+21.4%) Land $28,316 Building $113,908 | $426,843 (+21.44%) Land $84,982 Building $341,861 | |
| 2022 | $9,638.00 (+4.34%) Homeowner's exemption | $117,158 (+6.96%) Land $23,325 Building $93,833 | $351,474 (+6.96%) Land $69,975 Building $281,499 |
| 2021 | $9,237.00 Homeowner's exemption | $109,534 Land $21,807 Building $87,727 | $328,602 Land $65,421 Building $263,181 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 5% of the US · above 34% of Illinois |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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