1024 Elma Ave, Elgin, IL 60120 Property Records

Cook County property record for 1024 Elma Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,261 sqft · built 1992
Lot Size	0.197 acres (8,567 sqft)
Owner	Company Name on Record
Last Sale	$370,000 (Oct 2021)
Tax Bill	$8,544 (2023)
Deeds & Mortgages	Mar 2021 Line of Credit Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-06-122-049`

Property Details

APN / Parcel Number

Primary APN	`06-06-122-049`
Alternative APN	`06-06-122-049-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,261 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1993
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,567 sqft (0.197 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Well

Location & Zoning

Street Address	1024 ELMA AVE
City	ELGIN
State	IL
Zip	60120-2385
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART S06 T41N R09E 3P
Legal Range	9E
Legal Township	41N
Legal Section	06
Legal Subdivision	COBBLERS CROSSING UNIT 09
Legal Lot Number	261
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1014
Census Tract	804313

Owner

Source: Cook County records, as of May 27, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1024 ELMA AVE, ELGIN, IL 60120-2385
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK
Oct 19, 2021	Warranty Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Oct 23, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2021 · Amount on Record
Deed Sale	Oct 19, 2021 · Amount on Record
Prior Sale	Jun 8, 2004 · Amount on Record
Deed Document Number	20214240
Prior Transfer Date	Sep 13, 2019
Prior Transfer Doc	0000015025
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1024 ELMA AVE, ELGIN, IL 60120-2385
Transaction Type	Mortgage
Record Updated	Apr 9, 2024
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006717109
Date	Mar 8, 2021
Instrument	2106717109

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 1, 2031

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Oct 19, 2021
Property Address	1024 ELMA AVE, ELGIN, IL 60120-2385
Document Number	0029204240
Instrument Date	Sep 15, 2021
Instrument	2129204240
Transaction Type	Transfer
Record Updated	Apr 9, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1024 ELMA AVE, ELGIN, IL 60120-2385

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 ELMA AVE, ELGIN, IL 60120-2385

Mortgage

Document Number	0029204241
Date	Oct 19, 2021
Instrument	2129204241

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.99%

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Oct 23, 2019
Property Address	1024 ELMA AVE, ELGIN, IL 60120-2385
Document Number	1929615025
Instrument Date	Sep 13, 2019
Instrument	29615025
Transaction Type	Transfer
Record Updated	Oct 31, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1024 ELMA AVE ELGIN IL 601202385, ELGIN, IL 60120-2385

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		$43,000 (+30.31%) Land $6,854 Building $36,146	$430,000 (+30.31%) Land $68,540 Building $361,460
2023	$8,544.00 (-7.44%)
2022	$9,231.00 Homeowner's exemption	$32,999 Land $5,996 Building $27,003	$329,990 Land $59,960 Building $270,030

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 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	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 398 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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