1016 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1016 Spinnaker St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,493 sqft · built 1999
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Company Names on File
Last Sale	$236,000 (Jan 2015)
Tax Bill	$10,984 (2025)
Deeds & Mortgages	Aug 2026 Sale Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-456-001`

Property Details

APN / Parcel Number

Primary APN	`06-28-456-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,493 sqft Living Area
Gross Area	3,870 sqft
Basement Area	1,377 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Contemporary
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1016 SPINNAKER ST
City	ELGIN
State	IL
Zip	60123-8585
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 10 (WILLOW BAY) LOT 820
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	820
Legal Unit	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4003
Census Tract	851907

Owner

Source: Kane County records, as of September 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	1016 SPINNAKER ST, ELGIN, IL 60123-8585
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage BYRON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2015 · Amount on File
Deed Sale	Jan 27, 2015 · Amount on File
Prior Sale	Jul 9, 2014
Deed Document Number	20154294
Prior Transfer Date	May 5, 2014
Prior Transfer Doc	0000032979
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Aug 25, 2026
Property Address	1016 SPINNAKER ST, ELGIN, IL 60123-8585
Document Number	0000036758
Instrument Date	Aug 24, 2026
Instrument	202636758
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	1016 SPINNAKER ST, ELGIN, IL 60123-8585

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1016 SPINNAKER ST, ELGIN, IL 60123-8585
Transaction Type	Mortgage
Record Updated	Apr 9, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024852
Date	Mar 30, 2021
Instrument	2021K024852

Lender

Name	BYRON BANK
Type	Bank
Address	BYRON, IL 61010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

Interest

Rate	2.06%

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	$10,984.00 (+15.89%) Homeowner's exemption	$151,981 (+8.57%) Land $30,744 Building $121,237	$456,125 (+8.57%) Land $92,269 Building $363,857
2024		$139,984 (+21.39%) Land $28,317 Building $111,667	$420,120 (+21.44%) Land $84,985 Building $335,135
2022	$9,478.00 (+4.35%) Homeowner's exemption	$115,314 (+6.96%) Land $23,326 Building $91,988	$345,942 (+6.96%) Land $69,978 Building $275,964
2021	$9,083.00 Homeowner's exemption	$107,810 Land $21,808 Building $86,002	$323,430 Land $65,424 Building $258,006

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	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 360 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Metronet.

Nearby Properties on Spinnaker St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures