1018 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1018 Spinnaker St, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,234 sqft · built 1999
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$247,000 (Sep 1999)
Tax Bill	$10,369 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-456-002`

Property Details

APN / Parcel Number

Primary APN	`06-28-456-002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,234 sqft Living Area
Gross Area	3,858 sqft
Basement Area	1,624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1018 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 821
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	821
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 · APN 06-28-456-002

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	1018 SPINNAKER ST, ELGIN, IL 60123-8585
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Jul 03, 2018	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 03, 1999 · Amount on Record
Deed Sale	Sep 03, 1999 · Amount on Record
Deed Document Number	199985816
Last Transfer Date	Nov 21, 2001
Transfer Doc	0000009680
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1018 SPINNAKER ST, ELGIN, IL 60123-8585
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038702
Date	Jul 26, 2017
Instrument	2017K038702

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2032

Interest

Rate Type	Fixed Rate
Rate	4.37%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1018 SPINNAKER ST, ELGIN, IL 60123-8585
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031806
Date	Jul 03, 2018
Instrument	2018K031806

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 22, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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	$10,369.00 (+15.88%) Homeowner's exemption
2024		$132,566 (+21.39%) Land $28,317 Building $104,249	$397,857 (+21.44%) Land $84,985 Building $312,872
2022	$8,948.00 (+4.37%) Homeowner's exemption	$109,203 (+6.96%) Land $23,326 Building $85,877	$327,609 (+6.96%) Land $69,978 Building $257,631
2021	$8,573.00 Homeowner's exemption	$102,097 Land $21,808 Building $80,289	$306,291 Land $65,424 Building $240,867

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 360 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T, Metronet Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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