1052 Willow Bay, Elgin, IL 60123 Property Records

Kane County property record for 1052 Willow Bay, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,204 sqft · built 1997
Lot Size	0.182 acres (7,918 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Aug 2014)
Tax Bill	$7,409 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-408-017`

Property Details

APN / Parcel Number

Primary APN	`06-28-408-017`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,204 sqft Living Area
Gross Area	1,806 sqft
Basement Area	602 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Lot Area	7,918 sqft (0.182 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1052 WILLOW BAY
City	ELGIN
State	IL
Zip	60123-6535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 1 (WILLOW BAY) LOT 663
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	663
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3008
Census Tract	851907

Owner

Source: Kane County records · APN 06-28-408-017

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	1052 WILLOW BAY, ELGIN, IL 60123-6535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 14, 2014 · Amount on Record
Deed Sale	Aug 14, 2014 · Amount on Record
Prior Sale	Jul 03, 1997 · Amount on Record
Deed Document Number	201439983
Last Transfer Date	Oct 01, 2020
Transfer Doc	0000064064
Record Updated	Sep 20, 2026

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Oct 26, 2020
Property Address	1052 WILLOW BAY, ELGIN, IL 60123-6535
Document Number	0000064064
Map Reference	DOC 95K049954
Instrument Date	Oct 01, 2020
Instrument	2020K064064
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1052 WILLOW BAY, ELGIN, IL 60123-6535

Mortgage

Document Number	0000064065
Date	Oct 26, 2020
Instrument	2020K064065

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,409.00 (+15.86%) Homeowner's exemption
2024		$96,825 (+21.39%) Land $28,317 Building $68,508	$290,591 (+21.44%) Land $84,985 Building $205,606
2022	$6,395.00 (+4.54%) Homeowner's exemption	$79,761 (+6.96%) Land $23,326 Building $56,435	$239,283 (+6.96%) Land $69,978 Building $169,305
2021	$6,117.00 Homeowner's exemption	$74,571 Land $21,808 Building $52,763	$223,713 Land $65,424 Building $158,289

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 477 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

May also be available at this address: Metronet Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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