1072 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1072 Spinnaker St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,288 sqft · built 2000
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Aug 2021)
Tax Bill	$10,955 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jun 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-28-452-017`

Property Details

APN / Parcel Number

Primary APN	`06-28-452-017`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,288 sqft Living Area
Gross Area	3,432 sqft
Basement Area	1,144 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1072 SPINNAKER ST
City	ELGIN
State	IL
Zip	60123-8588
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 10 (WILLOW BAY) LOT 846
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	846
Legal Unit	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3006
Census Tract	851907

Owner

1072 Spinnaker St is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1072 SPINNAKER ST, ELGIN, IL 60123-8588
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Aug 20, 2021	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC
Jun 14, 2021	Deed of Trust, Mortgage · Line of Credit FIRST MIDWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2021 · Amount on File
Deed Sale	Aug 20, 2021 · Amount on File
Prior Sale	Jan 29, 2014 · Amount on File
Deed Document Number	202164115
Prior Transfer Date	Jan 6, 2013
Prior Transfer Doc	0000002947
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 20, 2021
Property Address	1072 SPINNAKER ST, ELGIN, IL 60123-8588
Document Number	0000064115
Map Reference	DOC 96K46770
Instrument Date	Jul 23, 2021
Instrument	2021K064115
Transaction Type	Transfer
Record Updated	Aug 30, 2021
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1072 SPINNAKER ST, ELGIN, IL 60123-8588

Mortgage

Document Number	0000064116
Date	Aug 20, 2021
Instrument	2021K064116

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate	3.25%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1072 SPINNAKER ST, ELGIN, IL 60123-8588
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045385
Date	Jun 14, 2021
Instrument	2021K045385

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 28, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	Monthly
Min Rate At Change	4%
Max Rate	18%

Tax Assessment & Valuation

The 2025 property tax bill for 1072 Spinnaker St was $10,955 with a homeowner's exemption.

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	$10,955.00 Homeowner's exemption	$151,600 (+8.57%) Land $34,886 Building $116,714	$454,982 (+8.57%) Land $104,700 Building $350,282
2024		$139,633 Land $32,132 Building $107,501	$419,067 Land $96,435 Building $322,632
2022	$9,453.00 (+4.35%) Homeowner's exemption	$115,025 (+6.96%) Land $26,469 Building $88,556	$345,075 (+6.96%) Land $79,407 Building $265,668
2021	$9,059.00 Homeowner's exemption	$107,541 Land $24,747 Building $82,794	$322,623 Land $74,241 Building $248,382

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 1072 Spinnaker St 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.

Wildfire

Wildfire risk around 1072 Spinnaker St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 360 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Metronet.

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