Kane County property record for 1049 Willow Bay, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,621 sqft · built 1998 |
| Lot Size | 0.2 acres (8,703 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,500 (Aug 2024) |
| Tax Bill | $8,424 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-28-410-002 |
| Primary APN | 06-28-410-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,621 sqft Living Area |
| Gross Area | 2,008 sqft |
| Basement Area | 387 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 8,703 sqft (0.2 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 1049 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 646 |
| Legal Subdivision | HEARTLAND MEADOWS |
| Legal Block | 3 |
| Legal Lot Number | 646 |
| Legal Unit | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 851907 |
1049 Willow Bay is owned by two individuals who bought it in August 2024.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1019 MARTINGALE DR, BARTLETT, IL 60103-5621 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2024 · Amount on File |
| Deed Sale | Aug 29, 2024 · Amount on File |
| Prior Sale | May 13, 1999 · Amount on File |
| Deed Document Number | 202430902 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1049 Willow Bay was $8,424.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,424.00 | $118,431 (+8.57%) Land $30,744 Building $87,687 | $355,435 (+8.57%) Land $92,269 Building $263,166 |
| 2024 | $109,082 Land $28,317 Building $80,765 | $327,377 Land $84,985 Building $242,392 | |
| 2022 | $7,271.00 (+4.48%) Homeowner's exemption | $89,857 (+6.96%) Land $23,326 Building $66,531 | $269,571 (+6.96%) Land $69,978 Building $199,593 |
| 2021 | $6,959.00 Homeowner's exemption | $84,010 Land $21,808 Building $62,202 | $252,030 Land $65,424 Building $186,606 |
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.
FEMA maps place 1049 Willow Bay in Zone X, an area of minimal flood risk.
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.
The area around 1049 Willow Bay 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 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.
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 |
| 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.
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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