1032 Bruce Dr, Elgin, IL 60120 Property Records

Cook County property record for 1032 Bruce Dr, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,436 sqft · built 1963
Lot Size	0.574 acres (25,000 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (May 2022)
Tax Bill	$7,373 (2023)
Deeds & Mortgages	May 2022 Sale & Mortgage May 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-400-026`

Property Details

APN / Parcel Number

Primary APN	`06-18-400-026`
Alternative APN	`06-18-400-026-0000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,436 sqft Living Area
1st Floor Area	1,436 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1964
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	25,000 sqft (0.574 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1032 BRUCE DR
City	ELGIN
State	IL
Zip	60120-6832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(SECOND) ADD TO (HIGH) (VIEW) HILLS SUB PT OF SE & PT OF SW OF SEC 18-41-09
Legal Range	09E
Legal Township	41N
Legal Section	18
Legal Subdivision	SECOND ADD TO HIGH VIEW
Legal Lot Number	36
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2003
Census Tract	804405

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	Individual Name on Record
Mailing Address	1032 BRUCE DR, ELGIN, IL 60120-6832
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
May 17, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
May 17, 2022	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 15, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Nov 10, 2014	Loan Modification, Mortgage · Line of Credit PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2022 · Amount on Record
Deed Sale	May 17, 2022 · Amount on Record
Prior Sale	Nov 20, 2014 · Amount on Record
Deed Document Number	20227598
Prior Transfer Date	Mar 18, 2022
Prior Transfer Doc	0000007597
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	May 17, 2022
Property Address	1032 BRUCE DR, ELGIN, IL 60120-6832
Document Number	0013707598
Map Reference	DOC 16836013
Instrument Date	May 3, 2022
Instrument	2213707598
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1032 BRUCE DR, ELGIN, IL 60120-6832

Mortgage

Document Number	0013707599
Date	May 17, 2022
Instrument	2213707599

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate	4.5%

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	May 17, 2022
Property Address	1032 BRUCE DR, ELGIN, IL 60120-6832
Document Number	0013707597
Map Reference	DOC 16836013
Instrument Date	Mar 18, 2022
Instrument	2213707597
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1032 BRUCE DR, 1032, ELGIN, IL 60120-6832

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1032 BRUCE DR, ELGIN, IL 60120-6832

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1032 BRUCE DR, ELGIN, IL 60120-6832
Document Number	1928055185
Instrument Date	Aug 15, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1032 BRUCE DR ELGIN IL 601206832, ELGIN, IL 60120-6832

Mortgage

Document Number	1928055185
Date	Oct 7, 2019
Instrument	28055185

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2049

November 2014: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COOK IL
Property Address	1032 BRUCE DR, ELGIN, IL 60120-6832
Document Number	1927316125
Instrument Date	Nov 10, 2014
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1032 BRUCE DR ELGIN IL 601206832, ELGIN, IL 60120-6832

Mortgage

Document Number	1927316125
Date	Sep 30, 2019
Instrument	27316125

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%

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		$33,000 (+13.79%) Land $10,000 Building $23,000	$330,000 (+13.79%) Land $100,000 Building $230,000
2023	$7,373.00 (+3.35%)
2022	$7,134.00 Homeowner's exemption	$29,000 Land $14,500 Building $14,500	$290,000 Land $145,000 Building $145,000

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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 265 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

May also be available: AT&T, T-Mobile.

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