1044 Willow Bay, Elgin, IL 60123 Property Records

Kane County property record for 1044 Willow Bay, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 1997
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$212,500 (Jul 2014)
Tax Bill	$8,546 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-408-015`

Property Details

APN / Parcel Number

Primary APN	`06-28-408-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
Gross Area	2,808 sqft
1st Floor Area	1,404 sqft
Basement Area	1,404 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Construction Type	Frame
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1044 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 665
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	665
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3008
Census Tract	851907

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	1044 WILLOW BAY, ELGIN, IL 60123-6535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 10, 2019	Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG
Mar 2, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2014 · Amount on Record
Deed Sale	Jul 11, 2014 · Amount on Record
Prior Sale	Jan 8, 2004 · Amount on Record
Deed Document Number	201433656
Prior Transfer Date	May 13, 2002
Prior Transfer Doc	0000100693
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1044 WILLOW BAY, ELGIN, IL 60123-6535
Transaction Type	Mortgage
Record Updated	Mar 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1044 WILLOW BAY, ELGIN, IL 60123-6535

Mortgage

Document Number	0000011283
Date	Feb 28, 2022
Instrument	2022K011283

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	1044 WILLOW BAY, ELGIN, IL 60123-6535
Document Number	0000060104
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Dec 23, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1044 WILLOW BAY ELGIN IL 601236535, ELGIN, IL 60123-6535

Mortgage

Document Number	0000060104
Date	Dec 11, 2019
Instrument	60104

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	FISHERS, IN 46037

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2049

Interest

Rate	4.25%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1044 WILLOW BAY, ELGIN, IL 60123-6535
Document Number	0000016309
Instrument Date	Mar 2, 2017
Transaction Type	Mortgage
Record Updated	May 3, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1044 WILLOW BAY ELGIN IL 601236535, ELGIN, IL 60123-6535

Mortgage

Document Number	0000016309
Date	Mar 31, 2017
Instrument	16309

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Mar 30, 2045

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	$8,546.00 (+15.86%) Homeowner's exemption	$120,023 (+8.57%) Land $30,744 Building $89,279	$360,213 (+8.57%) Land $92,269 Building $267,944
2024		$110,549 (+21.39%) Land $28,317 Building $82,232	$331,780 (+21.44%) Land $84,985 Building $246,795
2022	$7,376.00 (+4.48%) Homeowner's exemption	$91,066 (+6.96%) Land $23,326 Building $67,740	$273,198 (+6.96%) Land $69,978 Building $203,220
2021	$7,060.00 Homeowner's exemption	$85,140 Land $21,808 Building $63,332	$255,420 Land $65,424 Building $189,996

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

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

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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