1020 Bruce Dr, Elgin, IL 60120 Property Records

Cook County property record for 1020 Bruce Dr, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,688 sqft · built 1998
Lot Size	0.574 acres (25,000 sqft)
Owner	Individual Name on Record
Last Sale	$39,900 (Jan 1996)
Tax Bill	$8,234 (2023)
Deeds & Mortgages	May 2021 Mortgage Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-18-400-024`

Property Details

APN / Parcel Number

Primary APN	`06-18-400-024`
Alternative APN	`06-18-400-024-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,688 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1999
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	25,000 sqft (0.574 acres)
Garage Type	Attached
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1020 BRUCE DR
City	ELGIN
State	IL
Zip	60120-6832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(SECOND) ADD TO (HIGH) (VIEW) HILLS SUB PT OF SE & PT OF SW OF SEC 18-41-09
Legal Range	09E
Legal Township	41N
Legal Section	18
Legal Subdivision	SECOND ADD TO HIGH VIEW
Legal Lot Number	33
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2003
Census Tract	804405

Owner

Source: Cook County records, as of May 27, 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	Individual Name on Record
Mailing Address	1020 BRUCE DR, ELGIN, IL 60120-6832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 30, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 1996 · Amount on Record
Deed Sale	Jan 24, 1996 · Amount on Record
Deed Document Number	1996990
Prior Transfer Date	Jan 19, 1996
Prior Transfer Doc	0000000990
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1020 BRUCE DR, ELGIN, IL 60120-6832
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013720330
Date	May 17, 2021
Instrument	2113720330

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2051

Interest

Rate	2.99%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1020 BRUCE DR, ELGIN, IL 60120-6832
Document Number	2102139375
Instrument Date	Nov 30, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2021
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1020 BRUCE DR ELGIN IL 601206832, ELGIN, IL 60120-6832

Mortgage

Document Number	2102139375
Date	Jan 21, 2021
Instrument	2139375

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 20, 2046

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover 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		$46,000 (+43.75%) Land $10,000 Building $36,000	$460,000 (+43.75%) Land $100,000 Building $360,000
2023	$8,234.00 (+3.3%)
2022	$7,971.00 Homeowner's exemption	$32,000 Land $15,000 Building $17,000	$320,000 Land $150,000 Building $170,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 11, 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 99.1% of the US · lower than 94% 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 265 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

May also be available: AT&T, T-Mobile.

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