1047 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1047 Spinnaker St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,015 sqft · built 2000
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (May 2020)
Tax Bill	$9,597 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-453-024`

Property Details

APN / Parcel Number

Primary APN	`06-28-453-024`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,015 sqft Living Area
Gross Area	2,613 sqft
Basement Area	598 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1047 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 895
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	895
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	Individual Name on Record
Mailing Address	1047 SPINNAKER ST, ELGIN, IL 60123-8580
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 4, 2020	Warranty Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2020 · Amount on Record
Deed Sale	May 4, 2020 · Amount on Record
Prior Sale	Aug 27, 2007 · Amount on Record
Deed Document Number	202022186
Prior Transfer Date	Apr 6, 2009
Prior Transfer Doc	0000027901
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1047 SPINNAKER ST, ELGIN, IL 60123-8580
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045343
Date	Nov 14, 2025
Instrument	2025K045343

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2040

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1047 SPINNAKER ST, ELGIN, IL 60123-8580
Transaction Type	Mortgage
Record Updated	Nov 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082432
Date	Nov 1, 2021
Instrument	2021K082432

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Dec 1, 2050

Interest

Rate	2.99%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 4, 2020
Property Address	1047 SPINNAKER ST, ELGIN, IL 60123-8580
Document Number	0000022186
Instrument Date	Mar 20, 2020
Instrument	22186
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	STARCK TITLE SERVICES, STARCK TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$413.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 PROSPECT ST ELGIN IL 601203782, ELGIN, IL 60120-3782

Mortgage

Document Number	22187
Date	May 4, 2020
Instrument	22187

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

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	$9,597.00 (+9.03%) Homeowner's exemption	$133,798 (+8.57%) Land $30,744 Building $103,054	$401,555 (+8.57%) Land $92,269 Building $309,286
2024		$123,236 (+21.39%) Land $28,317 Building $94,919	$369,856 (+21.44%) Land $84,985 Building $284,871
2022	$8,802.00 (+3.96%)	$101,517 (+6.96%) Land $23,326 Building $78,191	$304,551 (+6.96%) Land $69,978 Building $234,573
2021	$8,467.00	$94,911 Land $21,808 Building $73,103	$284,733 Land $65,424 Building $219,309

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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