1015 Reserve Dr, Elgin, IL 60124 Property Records

Kane County property record for 1015 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	0.45 acres (1,972 sqft)
Owner	Individual Name on Record
Last Sale	$307,500 (Apr 2026)
Tax Bill	$6,059 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-29-427-020`

Property Details

APN / Parcel Number

Primary APN	`06-29-427-020`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,626 sqft Living Area
Gross Area	2,439 sqft
Basement Area	813 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	1,972 sqft (0.45 acres)
Lot Dimensions	58 ft deep x 34 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Well

Location & Zoning

Street Address	1015 RESERVE DR
City	ELGIN
State	IL
Zip	60124-8828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RESERVE - PT LOT 4 DESC IN DOC 2005K002879
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 July 23, 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	0N853 BARTELT RD, GENEVA, IL 60134-6079
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage INLAND BANK & TRUST
Apr 27, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2026 · Amount on Record
Deed Sale	Apr 27, 2026 · Amount on Record
Prior Sale	Dec 11, 2009 · Amount on Record
Deed Document Number	202616990
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1015 RESERVE DR, ELGIN, IL 60124-8828
Transaction Type	Mortgage
Record Updated	May 5, 2026
Title Company	LAKESHORE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019033
Date	Mar 11, 2021
Instrument	2021K019033

Lender

Name	INLAND BANK & TRUST
Type	Bank
Address	GENEVA, IL 60134

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 1, 2046

Interest

Rate Type	Fixed Rate
Rate	2.75%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 27, 2026
Property Address	1015 RESERVE DR, ELGIN, IL 60124-8828
Document Number	0000016990
Instrument Date	Apr 11, 2026
Instrument	202616990
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	ICE MORTGAGE TECHNOLOGY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46,586.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	0N853 BARTELT RD, GENEVA, IL 60134-6079

Mortgage

Document Number	0000016991,
Date	Apr 27, 2026
Instrument	202616991

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

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	$6,059.00 (+4.39%) Homeowner's exemption	$87,426 (+8.57%) Land $20,940 Building $66,486	$262,383 (+8.57%) Land $62,845 Building $199,538
2024	$5,804.00 (+10.95%)	$80,525 (+21.39%) Land $19,287 Building $61,238	$241,672 (+21.44%) Land $57,884 Building $183,788
2022	$5,231.00 (+4.68%) Homeowner's exemption	$66,334 (+6.96%) Land $15,888 Building $50,446	$199,002 (+6.96%) Land $47,664 Building $151,338
2021	$4,997.00 Homeowner's exemption	$62,017 Land $14,854 Building $47,163	$186,051 Land $44,562 Building $141,489

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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