1040 Willow Bay, Elgin, IL 60123 Property Records

Kane County property record for 1040 Willow Bay, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,621 sqft · built 1997
Lot Size	0.186 acres (8,092 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Mar 2025)
Tax Bill	$8,285 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-408-014`

Property Details

APN / Parcel Number

Primary APN	`06-28-408-014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,621 sqft Living Area
Gross Area	2,008 sqft
Basement Area	387 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Contemporary
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,092 sqft (0.186 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1040 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 666
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	666
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3008
Census Tract	851907

Owner

1040 Willow Bay is owned and occupied by an individual who bought it in March 2025.

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	Individual Name on File
Mailing Address	1040 WILLOW BAY, ELGIN, IL 60123-6535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
May 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2025 · Amount on File
Deed Sale	Mar 31, 2025 · Amount on File
Prior Sale	Aug 25, 2023 · Amount on File
Deed Document Number	202511243
Prior Transfer Date	Mar 25, 2025
Prior Transfer Doc	0000011243
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 25, 2023
Property Address	1040 WILLOW BAY, ELGIN, IL 60123-6535
Document Number	0000029331
Map Reference	DOC 95K049954
Instrument Date	Jul 25, 2023
Instrument	2023K029331
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$337.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1040 WILLOW BAY, ELGIN, IL 60123-6535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 WILLOW BAY, ELGIN, IL 60123-6535

Mortgage

Document Number	0000029332
Date	Aug 25, 2023
Instrument	2023K029332

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.87%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1040 WILLOW BAY, ELGIN, IL 60123-6535
Document Number	0000017927
Instrument Date	May 1, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	PRAIRIE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1040 WILLOW BAY ELGIN IL 601236535, ELGIN, IL 60123-6535

Mortgage

Document Number	0000017927
Date	May 7, 2019
Instrument	17927

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MT 63144

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 6, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1040 Willow Bay was $8,285.

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	$8,285.00	$116,607 (+8.57%) Land $30,744 Building $85,863	$349,961 (+8.57%) Land $92,269 Building $257,692
2024		$107,402 Land $28,317 Building $79,085	$322,335 Land $84,985 Building $237,350
2022	$7,151.00 (+4.49%) Homeowner's exemption	$88,473 (+6.96%) Land $23,326 Building $65,147	$265,419 (+6.96%) Land $69,978 Building $195,441
2021	$6,844.00 Homeowner's exemption	$82,716 Land $21,808 Building $60,908	$248,148 Land $65,424 Building $182,724

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 1040 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 1040 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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