1036 Willow Bay, Elgin, IL 60123 Property Records

Kane County property record for 1036 Willow Bay, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,204 sqft · built 1997
Lot Size	0.213 acres (9,292 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jan 2021)
Tax Bill	$7,857 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-408-013`

Property Details

APN / Parcel Number

Primary APN	`06-28-408-013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,204 sqft Living Area
Gross Area	1,806 sqft
Basement Area	602 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,292 sqft (0.213 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1036 WILLOW BAY
City	ELGIN
State	IL
Zip	60123-6535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 1 (WILLOW BAY) LOT 667
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	667
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3008
Census Tract	851907

Owner

1036 Willow Bay is owned and occupied by two individuals who bought it in January 2021.

Source: Kane County records, as of July 23, 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	1036 WILLOW BAY, ELGIN, IL 60123-6535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Warranty Deed, Transfer · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jul 11, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Aug 1, 2017	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2021 · Amount on File
Deed Sale	Jan 19, 2021 · Amount on File
Prior Sale	Aug 5, 2013 · Amount on File
Deed Document Number	20214454
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 19, 2021
Property Address	1036 WILLOW BAY, ELGIN, IL 60123-6535
Document Number	0000004454
Map Reference	DOC 95K049954
Instrument Date	Dec 15, 2020
Instrument	2021K004454
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1036 WILLOW BAY, 1036, ELGIN, IL 60123-6535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1036 WILLOW BAY, ELGIN, IL 60123-6535

Mortgage

Document Number	0000004455
Date	Jan 19, 2021
Instrument	2021K004455

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1036 WILLOW BAY, ELGIN, IL 60123-6535
Document Number	0000031355
Instrument Date	Jul 11, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1036 WILLOW BAY ELGIN IL 601236535, ELGIN, IL 60123-6535

Mortgage

Document Number	0000031355
Date	Jul 19, 2019
Instrument	31355

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1036 WILLOW BAY, ELGIN, IL 60123-6535
Document Number	0000042124
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Sep 14, 2017
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1036 WILLOW BAY ELGIN IL 601236535, ELGIN, IL 60123-6535

Mortgage

Document Number	0000042124
Date	Aug 14, 2017
Instrument	42124

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 13, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 1036 Willow Bay was $7,857 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	$7,857.00 Homeowner's exemption	$110,998 (+8.57%) Land $30,744 Building $80,254	$333,127 (+8.57%) Land $92,269 Building $240,858
2024		$102,236 Land $28,317 Building $73,919	$306,831 Land $84,985 Building $221,846
2022	$6,782.00 (+4.52%) Homeowner's exemption	$84,218 (+6.96%) Land $23,326 Building $60,892	$252,654 (+6.96%) Land $69,978 Building $182,676
2021	$6,489.00 Homeowner's exemption	$78,738 Land $21,808 Building $56,930	$236,214 Land $65,424 Building $170,790

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 1036 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.

Wildfire

The area around 1036 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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