1028 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1028 Spinnaker St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,268 sqft · built 1999
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Apr 2021)
Tax Bill	$10,741 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-456-007`

Property Details

APN / Parcel Number

Primary APN	`06-28-456-007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,268 sqft Living Area
Gross Area	3,402 sqft
Basement Area	1,134 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1028 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 826
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	826
Legal Unit	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4003
Census Tract	851907

Owner

1028 Spinnaker St is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1028 SPINNAKER ST, ELGIN, IL 60123-8585
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Sep 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 7, 2021	Warranty Deed, Transfer · FHA Mortgage AMRES CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2021 · Amount on File
Deed Sale	Apr 7, 2021 · Amount on File
Prior Sale	Oct 13, 1999 · Amount on File
Deed Document Number	202126872
Prior Transfer Date	Nov 4, 2014
Prior Transfer Doc	0000056413
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1028 SPINNAKER ST, ELGIN, IL 60123-8585
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037932
Date	Oct 30, 2023
Instrument	2023K037932

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 29, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1028 SPINNAKER ST, ELGIN, IL 60123-8585
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051186
Date	Sep 29, 2017
Instrument	2017K051186

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 7, 2021
Property Address	1028 SPINNAKER ST, ELGIN, IL 60123-8585
Document Number	0000026872
Map Reference	DOC 96K046770
Instrument Date	Jan 19, 2021
Instrument	2021K026872
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CITYWIDE TITLE CORPORAION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1028 SPINNAKER ST, ELGIN, IL 60123-8585

Mortgage

Document Number	0000026873
Date	Apr 7, 2021
Instrument	2021K026873

Lender

Name	AMRES CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1028 Spinnaker St was $10,741 with a homeowner's exemption.

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	$10,741.00 Homeowner's exemption	$148,803 (+8.57%) Land $30,744 Building $118,059	$446,588 (+8.57%) Land $92,269 Building $354,319
2024		$137,057 Land $28,317 Building $108,740	$411,336 Land $84,985 Building $326,351
2022	$9,269.00 (+9.89%) Homeowner's exemption	$112,902 (+6.96%) Land $23,326 Building $89,576	$338,706 (+6.96%) Land $69,978 Building $268,728
2021	$8,435.00 Homeowner's exemption	$105,555 Land $21,808 Building $83,747	$316,665 Land $65,424 Building $251,241

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

FEMA maps place 1028 Spinnaker St 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.

Wildfire

Wildfire risk around 1028 Spinnaker St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 360 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Metronet.

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