Kane County property record for 1040 Spinnaker St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,430 sqft · built 1999 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Jun 2012) |
| Tax Bill | $11,479 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-28-455-001 |
| Primary APN | 06-28-455-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,430 sqft Living Area |
| Gross Area | 3,645 sqft |
| Basement Area | 1,215 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Frame |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Water Source | Commercial |
| Street Address | 1040 SPINNAKER ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-8586 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEARTLAND MEADOWS UNIT 10 (WILLOW BAY) LOT 831 |
| Legal Subdivision | HEARTLAND MEADOWS |
| Legal Block | 4 |
| Legal Lot Number | 831 |
| Legal Unit | 10 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 851907 |
1040 Spinnaker St is owned and occupied by two individuals who bought it in June 2012.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1040 SPINNAKER ST, ELGIN, IL 60123-8586 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2012 · Amount on File |
| Deed Sale | Jun 12, 2012 · Amount on File |
| Prior Sale | Oct 24, 2005 · Amount on File |
| Deed Document Number | 201237938 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1040 Spinnaker St was $11,479 with a homeowner's exemption.
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 | $11,479.00 Homeowner's exemption | $158,465 (+8.57%) Land $30,744 Building $127,721 | $475,585 (+8.57%) Land $92,269 Building $383,316 |
| 2024 | $145,956 Land $28,317 Building $117,639 | $438,043 Land $84,985 Building $353,058 | |
| 2022 | $9,905.00 (+4.34%) Homeowner's exemption | $120,233 (+6.96%) Land $23,326 Building $96,907 | $360,699 (+6.96%) Land $69,978 Building $290,721 |
| 2021 | $9,493.00 Homeowner's exemption | $112,409 Land $21,808 Building $90,601 | $337,227 Land $65,424 Building $271,803 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1040 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.
The area around 1040 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.
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 |
| 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.
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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