1042 Cedar Ave, Elgin, IL 60120 Property Records

Kane County property record for 1042 Cedar Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,448 sqft · built 1938
Lot Size	0.145 acres (6,300 sqft)
Owner	Individual Name on Record
Tax Bill	$1,784 (2025)
Deeds & Mortgages	Feb 2022 Transfer Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-134-019`

Property Details

APN / Parcel Number

Primary APN	`06-12-134-019`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	5 Stories
Building Area	1,448 sqft Living Area
Gross Area	2,424 sqft
Basement Area	976 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Construction Type	Frame
Lot Area	6,300 sqft (0.145 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1042 CEDAR AVE
City	ELGIN
State	IL
Zip	60120-2946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R N BOTSFORDS ADDN LOT 4 BLOCK 6
Legal Subdivision	R N BOTSFORDS ADDN
Legal Block	6
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	6
Census Block	6010
Census Tract	850800

Owner

Source: Kane County records, as of July 23, 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 Record
Mailing Address	1042 CEDAR AVE, ELGIN, IL 60120-2946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2022	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Nov 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 1, 2022
Transfer Doc	0000008054
Record Updated	Sep 20, 2026

February 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	KANE IL
Recording Date	Feb 9, 2022
Property Address	1042 CEDAR AVE, ELGIN, IL 60120-2946
Document Number	0000008054
Instrument Date	Feb 1, 2022
Instrument	2022K008054
Transaction Type	Transfer
Record Updated	Feb 16, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1042 CEDAR AVE, 1042, ELGIN, IL 60120-2946

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2075 PALUA DRIVE, ELGIN, IL 60123-9004

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1042 CEDAR AVE, ELGIN, IL 60120-2946
Transaction Type	Mortgage
Record Updated	Jul 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047975
Date	Jun 23, 2021
Instrument	2021K047975

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate	3%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1042 CEDAR AVE, ELGIN, IL 60120-2946
Document Number	0000057802
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1042 CEDAR AVE ELGIN IL 601202946, ELGIN, IL 60120-2946

Mortgage

Document Number	0000057802
Date	Dec 2, 2019
Instrument	57802

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate	4.5%

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	$1,784.00 (-27.51%) Homeowner's exemption Senior Citizen's exemption	$89,894 (+8.57%) Land $16,657 Building $73,237	$269,790 (+8.57%) Land $49,991 Building $219,799
2024		$82,798 (+21.39%) Land $15,342 Building $67,456	$248,493 (+21.44%) Land $46,044 Building $202,449
2022	$2,461.00 (-2.8%) Homeowner's exemption	$68,206 (+6.96%) Land $12,638 Building $55,568	$204,618 (+6.96%) Land $37,914 Building $166,704
2021	$2,532.00 Homeowner's exemption	$63,768 Land $11,816 Building $51,952	$191,304 Land $35,448 Building $155,856

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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 514 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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