1013 Reserve Dr, Elgin, IL 60124 Property Records

Kane County property record for 1013 Reserve Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,626 sqft · built 2004
Lot Size	0.28 acres (1,218 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Feb 2010)
Tax Bill	$6,053 (2025)
Deeds & Mortgages	May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-29-427-012`

Property Details

APN / Parcel Number

Primary APN	`06-29-427-012`

Interior

Bedrooms	2 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	1013 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 2004K134519 DATED 10-15-04
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

Source: Kane County records, as of July 21, 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 Record
Mailing Address	1013 RESERVE DR, ELGIN, IL 60124-8828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2010 · Amount on Record
Deed Sale	Feb 1, 2010 · Amount on Record
Prior Sale	Oct 15, 2004 · Amount on Record
Deed Document Number	20107498
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1013 RESERVE DR, ELGIN, IL 60124-8828
Document Number	0000026860
Instrument Date	May 19, 2017
Transaction Type	Mortgage
Record Updated	Jul 4, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 RESERVE DR ELGIN IL 601248828, ELGIN, IL 60124-8828

Mortgage

Document Number	0000026860
Date	May 26, 2017
Instrument	26860

Lender

Name	HOMEWARD RESID'L
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$6,053.00 (+15.82%) Homeowner's exemption
2024		$80,457 (+21.4%) Land $19,287 Building $61,170	$241,468 (+21.44%) Land $57,884 Building $183,583
2022	$5,226.00 (+4.69%) Homeowner's exemption	$66,277 (+6.96%) Land $15,888 Building $50,389	$198,831 (+6.96%) Land $47,664 Building $151,167
2021	$4,992.00 Homeowner's exemption	$61,964 Land $14,854 Building $47,110	$185,892 Land $44,562 Building $141,330

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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