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1048 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1048 Spinnaker St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,288 sqft · built 2000
Lot Size0.39 acres (16,988 sqft)
Owner2 Individual Names on File
Last Sale$285,000 (Jul 2019)
Tax Bill$10,628 (2025)
Deeds & MortgagesJul 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-28-455-006

Property Details

APN / Parcel Number

Primary APN06-28-455-006

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,288 sqft Living Area
Gross Area3,432 sqft
Basement Area1,144 sqft

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Construction TypeFrame
Lot Area16,988 sqft (0.39 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address1048 SPINNAKER ST
CityELGIN
StateIL
Zip60123-8587
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHEARTLAND MEADOWS UNIT 10 (WILLOW BAY) LOT 840
Legal SubdivisionHEARTLAND MEADOWS
Legal Block4
Legal Lot Number840
Legal Unit10
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group4
Census Block4001
Census Tract851907

Owner

1048 Spinnaker St is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record2 Individual Names on File
Mailing Address1048 SPINNAKER ST, ELGIN, IL 60123-8587
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 30, 2019 · Amount on File
Deed SaleJul 30, 2019 · Amount on File
Prior SaleJun 6, 2000 · Amount on File
Deed Document Number201933645
Record UpdatedOct 29, 2026

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateJul 30, 2019
Property Address1048 SPINNAKER ST, ELGIN, IL 60123-8587
Document Number0000033645
Instrument DateJun 25, 2019
Instrument33645
Transaction TypeTransfer
Record UpdatedAug 9, 2019
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$427.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address863 W CHICAGO ST ELGIN IL 601236259, ELGIN, IL 60123-6259

Mortgage

Document Number33646
DateJul 30, 2019
Instrument33646
Lender
NameOCMBC INC
AddressIRVINE, CA 92612
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJul 29, 2049
Interest
Rate TypeFixed Rate
Rate3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1048 Spinnaker St was $10,628 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$10,628.00 Homeowner's exemption$147,319 (+8.57%) Land $30,744 Building $116,575$442,134 (+8.57%) Land $92,269 Building $349,865
2024$135,690 Land $28,317 Building $107,373$407,233 Land $84,985 Building $322,248
2022$9,171.00 (+4.36%) Homeowner's exemption$111,776 (+6.96%) Land $23,326 Building $88,450$335,328 (+6.96%) Land $69,978 Building $265,350
2021$8,788.00 Homeowner's exemption$104,502 Land $21,808 Building $82,694$313,506 Land $65,424 Building $248,082

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 1048 Spinnaker St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1048 Spinnaker St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot 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 SystemSOUTH ELGIN
serves 23,648 people · EPA ID IL0890800
Water SourceGroundwater
Last State InspectionApr 2024
Also Mapped HereELGIN
Lead1 ppb (2026)
action level 15 ppb
Copper1.5 mg/L (2024)
action level 1.3 mg/L

Violations Reported to EPA

Water QualityBarium
not recorded as resolved · Apr 2026
Treatment and ProcedureCorrosion control
Jul 2025
Monitoring and Reporting5
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

ProviderMax 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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