1051 Delta Dr, Elgin, IL 60123 Property Records

Kane County property record for 1051 Delta Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,170 sqft · built 1998
Owner	2 Individual Names on File
Last Sale	$300,000 (Jul 2026)
Tax Bill	$5,991 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-017`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-017`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
Gross Area	2,340 sqft
1st Floor Area	1,170 sqft
Basement Area	1,170 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Condo/Apartment
Construction Type	Frame
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1051 DELTA DR
City	ELGIN
State	IL
Zip	60123-6581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDOMINIUM UNIT 321A
Legal Subdivision	WILLOW BAY CLUB CONDO
Legal Block	5
Legal Lot Number	321A
Legal Unit	321A
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5002
Census Tract	851907

Owner

1051 Delta Dr is owned and occupied by two individuals who bought it in July 2026.

Source: Kane County records, as of August 25, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1051 DELTA DR, ELGIN, IL 60123-6581
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Oct 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage CCP INVESTMENT CO
Aug 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2026 · Amount on File
Deed Sale	Jul 27, 2026 · Amount on File
Prior Sale	Jul 2, 2014 · Amount on File
Deed Document Number	202631912
Prior Transfer Date	Sep 23, 2016
Prior Transfer Doc	0000040373
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 27, 2026
Property Address	1051 DELTA DR, ELGIN, IL 60123-6581
Document Number	0000031912
Instrument Date	Jun 30, 2026
Instrument	202631912
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1051 DELTA DR, ELGIN, IL 60123-6581

Mortgage

Document Number	0000031913,
Date	Jul 27, 2026
Instrument	202631913

Lender

Name	NEIGHBORHOOD LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.88%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000031914,
Date	Jul 27, 2026
Instrument	202631914

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	30 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1051 DELTA DR, ELGIN, IL 60123-6581
Document Number	0000054508
Instrument Date	Oct 11, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1051 DELTA DR ELGIN IL 601236581, ELGIN, IL 60123-6581

Mortgage

Document Number	0000054508
Date	Oct 17, 2017
Instrument	54508

Lender

Name	CCP INVESTMENT CO
Address	HIGHLAND PARK, IL 60035

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 16, 2022

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Aug 3, 2017
Property Address	1051 DELTA DR, ELGIN, IL 60123-6581
Document Number	0000040373
Instrument Date	Sep 23, 2016
Instrument	40373
Transaction Type	Transfer
Record Updated	Sep 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1051 DELTA DR ELGIN IL 601236581, ELGIN, IL 60123-6581

Tax Assessment & Valuation

The 2025 property tax bill for 1051 Delta Dr was $5,991, up 3.5% from the year before.

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	$5,991.00 (+3.51%)	$78,534 (+8.57%) Land $17,724 Building $60,810	$235,696 (+8.57%) Land $53,193 Building $182,503
2024	$5,788.00	$72,335 Land $16,325 Building $56,010	$217,092 Land $48,995 Building $168,097
2022	$5,166.00 (+3.94%)	$59,587 (+6.96%) Land $13,448 Building $46,139	$178,761 (+6.96%) Land $40,344 Building $138,417
2021	$4,970.00	$55,710 Land $12,573 Building $43,137	$167,130 Land $37,719 Building $129,411

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 1051 Delta Dr in Zone X, an area of minimal flood risk.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

The area around 1051 Delta Dr 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.

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 231 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
Starlink Satellite	280 / 30
Fox Valley Internet Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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