1015 Willow Bay, Elgin, IL 60123 Property Records

Kane County property record for 1015 Willow Bay, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,216 sqft · built 1998
Lot Size	0.2 acres (8,704 sqft)
Owner	Individual on Record
Last Sale	$265,500 (Nov 2021)
Tax Bill	$7,440 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-409-002`

Property Details

APN / Parcel Number

Primary APN	`06-28-409-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,216 sqft Living Area
Gross Area	1,824 sqft
Basement Area	608 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,704 sqft (0.2 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1015 WILLOW BAY
City	ELGIN
State	IL
Zip	60123-6536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 1 (WILLOW BAY) LOT 633
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	633
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3003
Census Tract	851907

Owner

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

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

Owner of Record	Individual on Record
Mailing Address	1015 WILLOW BAY, ELGIN, IL 60123-6536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2021 · Amount on Record
Deed Sale	Nov 2, 2021 · Amount on Record
Prior Sale	Jul 23, 2013 · Amount on Record
Deed Document Number	202182732
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 2, 2021
Property Address	1015 WILLOW BAY, ELGIN, IL 60123-6536
Document Number	0000082732
Map Reference	DOC 95K049954
Instrument Date	Nov 2, 2021
Instrument	2021K082732
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	AMERICAN NATIONAL TITLE SERVICES INC, AMERICAN NATL TTL SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$265.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2516 KATSURA LN, 2516, HOWELL, MI 48855-6480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 WILLOW BAY, ELGIN, IL 60123-6536

Mortgage

Document Number	0000082733
Date	Nov 2, 2021
Instrument	2021K082733

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

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	$7,440.00 Homeowner's exemption Veteran's exemption
2024		$97,198 (+21.39%) Land $28,317 Building $68,881	$291,711 (+21.44%) Land $84,985 Building $206,726
2022	Disabled Person's exemption Veteran's exemption	$80,068 Land $23,326 Building $56,742	$240,204 Land $69,978 Building $170,226

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 477 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
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Metronet.

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