1046 Reserve Dr, Elgin, IL 60124 Property Records

Kane County property record for 1046 Reserve Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,500 sqft · built 2004
Lot Size	0.28 acres (1,218 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Sep 2019)
Tax Bill	$5,437 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`06-29-426-015`

Property Details

APN / Parcel Number

Primary APN	`06-29-426-015`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,500 sqft Living Area
Gross Area	2,286 sqft
Basement Area	786 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	1,218 sqft (0.28 acres)
Lot Dimensions	58 ft deep x 21 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1046 RESERVE DR
City	ELGIN
State	IL
Zip	60124-8828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RESERVE PT OF LOT 5 DESC IN DOC 2004K131376
Legal Subdivision	THE RESERVE
Legal Block	2
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2000
Census Tract	851912

Owner

1046 Reserve Dr is owned and occupied by an individual who bought it in September 2019.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1046 RESERVE DR, ELGIN, IL 60124-8828
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage C & R MORTGAGE
Sep 4, 2019	Warranty Deed, Transfer · Conventional Mortgage C & R MORTGAGE
Aug 30, 2019	Deed of Trust, Mortgage · Conventional with PMI C&R MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2019 · Amount on File
Deed Sale	Sep 4, 2019 · Amount on File
Prior Sale	Oct 7, 2004 · Amount on File
Deed Document Number	201940418
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1046 RESERVE DR, ELGIN, IL 60124-8828
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN T&E

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059762
Date	Aug 5, 2021
Instrument	2021K059762

Lender

Name	C & R MORTGAGE
Type	Mortgage Company
Address	60717

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 4, 2019
Property Address	1046 RESERVE DR, ELGIN, IL 60124-8828
Document Number	0000040418
Instrument Date	Aug 30, 2019
Instrument	2019K040418
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1046 RESERVE DR, ELGIN, IL 60124-8828

Mortgage

Document Number	0000040419
Date	Sep 4, 2019
Instrument	2019K040419

Lender

Name	C & R MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1046 RESERVE DR, ELGIN, IL 60124-8828
Document Number	0000050585
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1046 RESERVE DR ELGIN IL 601248828, ELGIN, IL 60124-8828

Mortgage

Document Number	0000050585
Date	Oct 23, 2019
Instrument	50585

Lender

Name	C&R MTG
Type	Mortgage Company
Address	NILES, IL 60714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 1046 Reserve Dr was $5,437 with a homeowner's exemption.

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	$5,437.00 Homeowner's exemption	$79,272 (+8.57%) Land $20,940 Building $58,332	$237,911 (+8.57%) Land $62,845 Building $175,066
2024		$73,015 Land $19,287 Building $53,728	$219,133 Land $57,884 Building $161,248
2022	$4,695.00 (+4.78%) Homeowner's exemption	$60,147 (+6.96%) Land $15,888 Building $44,259	$180,441 (+6.96%) Land $47,664 Building $132,777
2021	$4,481.00 Homeowner's exemption	$56,233 Land $14,854 Building $41,379	$168,699 Land $44,562 Building $124,137

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 1046 Reserve Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · rainfall accumulation

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

Wildfire risk around 1046 Reserve Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 327 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 Fiber	1,000 / 1,000
Fox Valley Internet Fixed Wireless	100 / 20

May also be available: Verizon.

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