1031 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1031 Spinnaker St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,481 sqft · built 1999
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$427,000 (Nov 2024)
Tax Bill	$10,774 (2025)
Deeds & Mortgages	May 2023 Line of Credit Apr 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-453-033`

Property Details

APN / Parcel Number

Primary APN	`06-28-453-033`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,481 sqft Living Area
Gross Area	3,852 sqft
Basement Area	1,371 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1031 SPINNAKER ST
City	ELGIN
State	IL
Zip	60123-8580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 10 (WILLOW BAY) LOT 902
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	902
Legal Unit	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4002
Census Tract	851907

Owner

1031 Spinnaker St is owned by two individuals who bought it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	449 IONE DR UNIT A, A, SOUTH ELGIN, IL 50177
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
May 1, 2023	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Apr 10, 2023	Quit Claim Deed, Transfer Quitclaim
Apr 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2024 · Amount on File
Deed Sale	Nov 25, 2024 · Amount on File
Prior Sale	Dec 15, 1999 · Amount on File
Deed Document Number	202443748
Prior Transfer Date	Feb 15, 2022
Prior Transfer Doc	0000010873
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1031 SPINNAKER ST, ELGIN, IL 60123-8580
Transaction Type	Mortgage
Record Updated	May 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 SPINNAKER ST, ELGIN, IL 60123-8580

Mortgage

Document Number	0000013642
Date	May 1, 2023
Instrument	2023K013642

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 26, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.74%
Change Frequency	Monthly

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Apr 10, 2023
Property Address	1031 SPINNAKER ST, ELGIN, IL 60123-8580
Document Number	0000010873
Map Reference	DOC 96K046770
Instrument Date	Feb 15, 2022
Instrument	2023K010873
Transaction Type	Transfer
Record Updated	Apr 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 SPINNAKER ST, ELGIN, IL 60123-8580
Investor	Possibly a Property Investor

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Apr 26, 2019
Property Address	1031 SPINNAKER ST, ELGIN, IL 60123-8580
Document Number	0000016314
Instrument Date	Apr 11, 2019
Instrument	16314
Transaction Type	Transfer
Record Updated	May 3, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1031 SPINNAKER ST #DT ELGIN IL 601238580, DT, ELGIN, IL 60123-8580

Tax Assessment & Valuation

The 2025 property tax bill for 1031 Spinnaker St was $10,774.

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	$10,774.00	$149,228 (+8.57%) Land $30,744 Building $118,484	$447,863 (+8.57%) Land $92,269 Building $355,594
2024		$137,448 Land $28,317 Building $109,131	$412,509 Land $84,985 Building $327,524
2022	$9,297.00 (+4.37%) Homeowner's exemption	$113,225 (+6.96%) Land $23,326 Building $89,899	$339,675 (+6.96%) Land $69,978 Building $269,697
2021	$8,908.00 Homeowner's exemption	$105,857 Land $21,808 Building $84,049	$317,571 Land $65,424 Building $252,147

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 1031 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 1031 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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