1045 Willow Bay, Elgin, IL 60123 Property Records

Kane County property record for 1045 Willow Bay, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,216 sqft · built 1997
Lot Size	0.234 acres (10,208 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Aug 2000)
Tax Bill	$6,760 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-28-410-001`

Property Details

APN / Parcel Number

Primary APN	`06-28-410-001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,216 sqft Living Area
Gross Area	1,824 sqft
Basement Area	608 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Lot Area	10,208 sqft (0.234 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1045 WILLOW BAY
City	ELGIN
State	IL
Zip	60123-6538
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 1 (WILLOW BAY) LOT 645
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	645
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3006
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 WILLOW BAY, ELGIN, IL 60123-6538
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Nov 3, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2000 · Amount on Record
Deed Sale	Aug 25, 2000 · Amount on Record
Prior Sale	Dec 31, 1997 · Amount on Record
Deed Document Number	200067919
Last Transfer Date	Oct 29, 2016
Transfer Doc	0000066895
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1045 WILLOW BAY, ELGIN, IL 60123-6538
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000567
Date	Jan 6, 2026
Instrument	2026K000567

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	12.6%

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Nov 3, 2025
Property Address	1045 WILLOW BAY, ELGIN, IL 60123-6538
Document Number	0000043367
Map Reference	DOC 95K049954
Instrument Date	Sep 25, 2025
Instrument	2025K043367
Transaction Type	Transfer
Record Updated	Nov 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1045 WILLOW BAY, ELGIN, IL 60123-6538

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	$6,760.00 (+5.13%) Homeowner's exemption Senior Citizen's exemption	$104,614 (+8.57%) Land $30,744 Building $73,870	$313,968 (+8.57%) Land $92,269 Building $221,699
2024	$6,430.00 (+8.47%) Homeowner's exemption	$96,356 (+21.39%) Land $28,317 Building $68,039	$289,184 (+21.44%) Land $84,985 Building $204,199
2022	$5,928.00 (+5.13%) Homeowner's exemption	$79,374 (+6.96%) Land $23,326 Building $56,048	$238,122 (+6.96%) Land $69,978 Building $168,144
2021	$5,639.00 Homeowner's exemption	$74,209 Land $21,808 Building $52,401	$222,627 Land $65,424 Building $157,203

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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