Kane County property record for 1035 Willow Bay, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,526 sqft · built 1998 |
| Lot Size | 0.205 acres (8,934 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $166,000 (Dec 1998) |
| Tax Bill | $8,959 (2025) |
| Deeds & Mortgages | Aug 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-28-409-010 |
| Primary APN | 06-28-409-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,526 sqft Living Area |
| Gross Area | 2,443 sqft |
| Basement Area | 917 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Construction Type | Frame |
| Lot Area | 8,934 sqft (0.205 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 1035 WILLOW BAY |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-6537 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEARTLAND MEADOWS UNIT 1 (WILLOW BAY) LOT 641 |
| Legal Subdivision | HEARTLAND MEADOWS |
| Legal Block | 3 |
| Legal Lot Number | 641 |
| Legal Unit | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 851907 |
1035 Willow Bay is owned and occupied by two individuals who bought it in December 1998.
Source: Kane County records, as of August 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1035 WILLOW BAY, ELGIN, IL 60123-6537 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 1998 · Amount on File |
| Deed Sale | Dec 4, 1998 · Amount on File |
| Deed Document Number | 1998112609 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 17, 2026 |
| Property Address | 1035 WILLOW BAY, ELGIN, IL 60123-6537 |
| Document Number | 0000035208 |
| Instrument Date | Aug 8, 2026 |
| Instrument | 202635208 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 1035 Willow Bay was $8,959.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,959.00 | $117,435 (+8.57%) Land $30,744 Building $86,691 | $352,446 (+8.57%) Land $92,269 Building $260,177 |
| 2024 | $108,165 Land $28,317 Building $79,848 | $324,625 Land $84,985 Building $239,640 | |
| 2022 | $7,726.00 (+3.96%) | $89,102 (+6.96%) Land $23,326 Building $65,776 | $267,306 (+6.96%) Land $69,978 Building $197,328 |
| 2021 | $7,432.00 | $83,304 Land $21,808 Building $61,496 | $249,912 Land $65,424 Building $184,488 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1035 Willow Bay 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.
The area around 1035 Willow Bay has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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