1025 Willow Bay, Elgin, IL 60123 Property Records

Kane County property record for 1025 Willow Bay, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,392 sqft · built 1998
Lot Size	0.281 acres (12,222 sqft)
Owner	2 Individual Names on Record
Last Sale	$344,000 (Jul 2022)
Tax Bill	$8,335 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-409-004`

Property Details

APN / Parcel Number

Primary APN	`06-28-409-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,392 sqft Living Area
Gross Area	2,784 sqft
1st Floor Area	1,392 sqft
Basement Area	1,392 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Frame
Lot Area	12,222 sqft (0.281 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1025 WILLOW BAY
City	ELGIN
State	IL
Zip	60123-6536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 1 (WILLOW BAY) LOT 635
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	635
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3003
Census Tract	851907

Owner

Source: Kane County records, as of July 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1025 WILLOW BAY, ELGIN, IL 60123-6536
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2022 · Amount on Record
Deed Sale	Jul 11, 2022 · Amount on Record
Prior Sale	Oct 7, 2003 · Amount on Record
Deed Document Number	202235543
Prior Transfer Date	Apr 9, 2014
Prior Transfer Doc	0000017229
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 11, 2022
Property Address	1025 WILLOW BAY, ELGIN, IL 60123-6536
Document Number	0000035543
Map Reference	DOC 95K049954
Instrument Date	Jul 1, 2022
Instrument	2022K035543
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$344.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	199 MILDRED AVE, 199, CARY, IL 60013-2915

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1025 WILLOW BAY, ELGIN, IL 60123-6536

Mortgage

Document Number	0000035544
Date	Jul 11, 2022
Instrument	2022K035544

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.75%

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	$8,335.00 (+15.86%) Homeowner's exemption	$117,255 (+8.57%) Land $30,744 Building $86,511	$351,906 (+8.57%) Land $92,269 Building $259,637
2024		$107,999 (+21.39%) Land $28,317 Building $79,682	$324,127 (+21.44%) Land $84,985 Building $239,142
2022	$7,194.00 (+4.49%) Homeowner's exemption	$88,966 (+6.96%) Land $23,326 Building $65,640	$266,898 (+6.96%) Land $69,978 Building $196,920
2021	$6,885.00 Homeowner's exemption	$83,177 Land $21,808 Building $61,369	$249,531 Land $65,424 Building $184,107

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	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	SOUTH ELGIN serves 23,648 people · EPA ID IL0890800
Water Source	Groundwater
Last State Inspection	Apr 2024
Also Mapped Here	ELGIN
Lead	1 ppb (2026) action level 15 ppb
Copper	1.5 mg/L (2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Barium not recorded as resolved · Apr 2026
Treatment and Procedure	Corrosion control Jul 2025
Monitoring and Reporting	5 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 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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