1037 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1037 Spinnaker St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,392 sqft · built 2000
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$244,000 (Oct 2012)
Deeds & Mortgages	Dec 2018 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-453-036`

Property Details

APN / Parcel Number

Primary APN	`06-28-453-036`

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 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1037 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 899
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	899
Legal Unit	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4002
Census Tract	851907

Owner

1037 Spinnaker St is owned and occupied by two individuals who bought it in October 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	1037 SPINNAKER ST, ELGIN, IL 60123-8580
Occupancy	Owner Occupied
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
Dec 11, 2018	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Oct 9, 2019	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2012 · Amount on File
Deed Sale	Oct 30, 2012 · Amount on File
Prior Sale	Apr 22, 2005 · Amount on File
Deed Document Number	201275469
Prior Transfer Date	Oct 23, 2012
Prior Transfer Doc	0000075469
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1037 SPINNAKER ST, ELGIN, IL 60123-8580
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059342
Date	Dec 11, 2018
Instrument	2018K059342

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate
Rate	5.25%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1037 SPINNAKER ST, ELGIN, IL 60123-8580
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047815
Date	Oct 9, 2019
Instrument	2019K047815

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

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	Homeowner's exemption Veteran's exemption	$155,135 (+8.57%) Land $30,744 Building $124,391	$465,591 (+8.57%) Land $92,269 Building $373,322
2024		$142,889 Land $28,317 Building $114,572	$428,839 Land $84,985 Building $343,854
2022	Disabled Person's exemption Veteran's exemption	$117,706 Land $23,326 Building $94,380	$353,118 Land $69,978 Building $283,140

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 1037 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

The area around 1037 Spinnaker St 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	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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