1036 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1036 Spinnaker St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,392 sqft · built 1999
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$244,000 (Nov 1999)
Tax Bill	$10,524 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-28-456-011`

Property Details

APN / Parcel Number

Primary APN	`06-28-456-011`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,392 sqft Living Area
Gross Area	3,588 sqft
Basement Area	1,196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Frame
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1036 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 830
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	830
Legal Unit	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4003
Census Tract	851907

Owner

Source: Kane County assessment roll, APN 06-28-456-011, as of August 25, 2025 · Last verified July 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 File
Mailing Address	1036 SPINNAKER ST, ELGIN, IL 60123-8585
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 18, 1999 · Amount on Record
Deed Sale	Nov 18, 1999 · Amount on Record
Deed Document Number	1999110749
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1036 SPINNAKER ST, ELGIN, IL 60123-8585
Transaction Type	Mortgage
Record Updated	Sep 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1036 SPINNAKER ST, ELGIN, IL 60123-8585

Mortgage

Document Number	0000044923
Date	Sep 08, 2022
Instrument	2022K044923

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 30, 2052

Tax Assessment & Valuation

Source: Kane County assessment roll as of August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,524.00 (+14.72%) Homeowner's exemption Senior Citizen's exemption
2024		$141,797 (+21.39%) Land $28,317 Building $113,480	$425,561 (+21.44%) Land $84,985 Building $340,576
2022	$9,174.00 (+4.71%) Homeowner's exemption	$116,807 (+6.96%) Land $23,326 Building $93,481	$350,421 (+6.96%) Land $69,978 Building $280,443
2021	$8,761.00 Homeowner's exemption	$109,206 Land $21,808 Building $87,398	$327,618 Land $65,424 Building $262,194

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, 360 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Metronet Holdings.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IL0894380, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.