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1049 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1049 Spinnaker St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,392 sqft · built 2000
Lot Size0.209 acres (9,102 sqft)
Owner2 Individual Names on File
Last Sale$237,500 (Jan 2001)
Tax Bill$11,166 (2025)
Deeds & MortgagesJun 2021 Line of Credit
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN06-28-453-023

Property Details

APN / Parcel Number

Primary APN06-28-453-023

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,392 sqft Living Area
Gross Area3,588 sqft
Basement Area1,196 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Construction TypeFrame
Lot Area9,102 sqft (0.209 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address1049 SPINNAKER ST
CityELGIN
StateIL
Zip60123-8580
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHEARTLAND MEADOWS UNIT 10 (WILLOW BAY) LOT 894
Legal SubdivisionHEARTLAND MEADOWS
Legal Block4
Legal Lot Number894
Legal Unit10
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group4
Census Block4002
Census Tract851907

Owner

1049 Spinnaker St is owned and occupied by two individuals who bought it in January 2001.

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

Owner of Record2 Individual Names on File
Mailing Address1049 SPINNAKER ST, ELGIN, IL 60123-8580
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

DateDocument
Jun 29, 2021Deed of Trust, Mortgage · Line of Credit
BMO HARRIS BANK NA
Aug 31, 2020Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 31, 2001 · Amount on File
Deed SaleJan 31, 2001 · Amount on File
Deed Document Number20019072
Record UpdatedOct 29, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address1049 SPINNAKER ST, ELGIN, IL 60123-8580
Transaction TypeMortgage
Record UpdatedJul 14, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000049899
DateJun 29, 2021
Instrument2021K049899
Lender
NameBMO HARRIS BANK NA
TypeBank
AddressCHICAGO, IL 60690
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueJun 28, 2051
Interest
Rate5.84%

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address1049 SPINNAKER ST, ELGIN, IL 60123-8580
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyCHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000049304
DateAug 31, 2020
Instrument2020K049304
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2050
Interest
Rate TypeFixed Rate
Rate3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 1049 Spinnaker St was $11,166 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$11,166.00 Homeowner's exemption$154,374 (+8.57%) Land $30,744 Building $123,630$463,307 (+8.57%) Land $92,269 Building $371,038
2024$142,188 Land $28,317 Building $113,871$426,735 Land $84,985 Building $341,750
2022$9,636.00 (+4.35%) Homeowner's exemption$117,129 (+6.96%) Land $23,326 Building $93,803$351,387 (+6.96%) Land $69,978 Building $281,409
2021$9,234.00 Homeowner's exemption$109,507 Land $21,808 Building $87,699$328,521 Land $65,424 Building $263,097

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 1049 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 1049 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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