1045 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1045 Spinnaker St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,288 sqft · built 1999
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$314,500 (Jul 2004)
Tax Bill	$10,770 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-453-039`

Property Details

APN / Parcel Number

Primary APN	`06-28-453-039`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,288 sqft Living Area
Gross Area	3,432 sqft
Basement Area	1,144 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
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

Location & Zoning

Street Address	1045 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 896
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	896
Legal Unit	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4002
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	2 Individual Names on Record
Mailing Address	1045 SPINNAKER ST, ELGIN, IL 60123-8580
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2004 · Amount on Record
Deed Sale	Jul 23, 2004 · Amount on Record
Prior Sale	Jan 11, 2000
Deed Document Number	200499364
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1045 SPINNAKER ST, ELGIN, IL 60123-8580
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	NOVAS TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028722
Date	Apr 13, 2021
Instrument	2021K028722

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.5%

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	$10,770.00 (+15.88%) Homeowner's exemption	$149,176 (+8.57%) Land $30,744 Building $118,432	$447,707 (+8.57%) Land $92,269 Building $355,438
2024		$137,401 (+21.39%) Land $28,317 Building $109,084	$412,368 (+21.44%) Land $84,985 Building $327,383
2022	$9,294.00 (+4.37%) Homeowner's exemption	$113,186 (+6.96%) Land $23,326 Building $89,860	$339,558 (+6.96%) Land $69,978 Building $269,580
2021	$8,905.00 Homeowner's exemption	$105,821 Land $21,808 Building $84,013	$317,463 Land $65,424 Building $252,039

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	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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