Kane County property record for 1020 Willow Bay, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,621 sqft · built 1997 |
| Lot Size | 0.194 acres (8,460 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Nov 2016) |
| Tax Bill | $8,517 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-28-408-010 |
| Primary APN | 06-28-408-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,621 sqft Living Area |
| Gross Area | 2,508 sqft |
| Basement Area | 887 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Custom Design |
| Construction Type | Frame |
| Lot Area | 8,460 sqft (0.194 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Water Source | Commercial |
| Street Address | 1020 WILLOW BAY |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-6535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEARTLAND MEADOWS UNIT 1 (WILLOW BAY) LOT 670 |
| Legal Subdivision | HEARTLAND MEADOWS |
| Legal Block | 3 |
| Legal Lot Number | 670 |
| Legal Unit | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 851907 |
1020 Willow Bay is owned and occupied by an individual who bought it in November 2016.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1020 WILLOW BAY, ELGIN, IL 60123-6535 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2016 · Amount on File |
| Deed Sale | Nov 9, 2016 · Amount on File |
| Prior Sale | Dec 22, 2006 · Amount on File |
| Deed Document Number | 201661982 |
| Prior Transfer Date | Apr 8, 2009 |
| Prior Transfer Doc | 0000037367 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1020 WILLOW BAY, ELGIN, IL 60123-6535 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000017302 |
|---|---|
| Date | Apr 8, 2020 |
| Instrument | 2020K017302 |
| Name | BJY FINANCIAL SERVICES INC |
|---|---|
| Type | Non-Lending Institution |
| Address | CHICAGO, IL 60631 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2035 |
| Rate | 3.25% |
|---|
The 2025 property tax bill for 1020 Willow Bay was $8,517 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,517.00 Homeowner's exemption | $119,648 (+8.57%) Land $30,744 Building $88,904 | $359,088 (+8.57%) Land $92,269 Building $266,819 |
| 2024 | $110,203 Land $28,317 Building $81,886 | $330,741 Land $84,985 Building $245,756 | |
| 2022 | $7,351.00 (+4.48%) Homeowner's exemption | $90,781 (+6.96%) Land $23,326 Building $67,455 | $272,343 (+6.96%) Land $69,978 Building $202,365 |
| 2021 | $7,036.00 Homeowner's exemption | $84,874 Land $21,808 Building $63,066 | $254,622 Land $65,424 Building $189,198 |
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.
FEMA maps place 1020 Willow Bay in Zone X, an area of minimal flood risk.
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.
The area around 1020 Willow Bay has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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