107 McKinstry Dr, Elgin, IL 60123 Property Records

Kane County property record for 107 McKinstry Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,510 sqft · built 1975
Lot Size	0.205 acres (8,948 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Apr 2022)
Tax Bill	$7,771 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-16-253-031`

Property Details

APN / Parcel Number

Primary APN	`06-16-253-031`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,510 sqft Living Area
Gross Area	3,020 sqft
1st Floor Area	1,510 sqft
Basement Area	1,510 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Frame
Lot Area	8,948 sqft (0.205 acres)
Lot Width	60 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	107 MCKINSTRY DR
City	ELGIN
State	IL
Zip	60123-4928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY KNOLLS UNIT NO 12 LOT 186 DESC IN BK 3038/355 (EX PT DESC IN DOC 2002K082592)
Legal Subdivision	COUNTRY KNOLLS
Legal Block	3
Legal Lot Number	186
Legal Unit	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3020
Census Tract	851904

Owner

Source: Kane County assessment roll, as of December 26, 2025

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	485 W MONTROSE AVE, ELMHURST, IL 60126-3759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Warranty Deed, Transfer · Conventional Mortgage BLUELEAF LENDING LLC
Jan 19, 2018	Warranty Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 12, 2022 · Amount on Record
Deed Sale	Apr 12, 2022 · Amount on Record
Prior Sale	Jan 19, 2018 · Amount on Record
Prior Transfer Date	Sep 4, 2007
Prior Transfer Doc	0000071590
Record Updated	Sep 20, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 12, 2022
Property Address	107 MCKINSTRY DR, ELGIN, IL 60123-4928
Document Number	0000019959
Instrument Date	Apr 6, 2022
Instrument	2022K019959
Transaction Type	Transfer
Record Updated	Apr 19, 2022
Title Company	NOT AVAILABLE, MULTIPLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 MCKINSTRY DR, ELGIN, IL 60123-4928

Mortgage

Document Number	0000019960
Date	Apr 12, 2022
Instrument	2022K019960

Lender

Name	BLUELEAF LENDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.75%

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 19, 2018
Property Address	107 MCKINSTRY DR, ELGIN, IL 60123-4928
Document Number	0000003124
Instrument Date	Dec 21, 2017
Instrument	2018K003124
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TITLE GUARANTY FUN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$192.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	107 MCKINSTRY DR, ELGIN, IL 60123-4928

Mortgage

Document Number	0000003125
Date	Jan 19, 2018
Instrument	2018K003125

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 2025

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	$7,771.00 (+15.85%) Homeowner's exemption
2024		$101,195 (+21.39%) Land $24,969 Building $76,226	$303,706 (+21.44%) Land $74,937 Building $228,770
2022	$6,708.00 (+4.52%) Homeowner's exemption	$83,361 (+6.96%) Land $20,569 Building $62,792	$250,083 (+6.96%) Land $61,707 Building $188,376
2021	$6,418.00 Homeowner's exemption	$77,937 Land $19,231 Building $58,706	$233,811 Land $57,693 Building $176,118

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

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
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · rainfall accumulation

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

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

Wildfire Risk	Not rated no burnable land within ember reach

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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Opiquad.

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