1074 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1074 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	2 Individual Names on File
Last Sale	$288,000 (Jan 2017)
Tax Bill	$11,163 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-452-016`

Property Details

APN / Parcel Number

Primary APN	`06-28-452-016`

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
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
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
Water Source	Commercial

Location & Zoning

Street Address	1074 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 847
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	847
Legal Unit	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3006
Census Tract	851907

Owner

1074 Spinnaker St is owned and occupied by two individuals who bought it in January 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1074 SPINNAKER ST, ELGIN, IL 60123-8588
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 31, 2017	Grant Deed, Transfer · Conventional Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2017 · Amount on File
Deed Sale	Jan 31, 2017 · Amount on File
Prior Sale	Nov 9, 2016 · Amount on File
Deed Document Number	20175975
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1074 SPINNAKER ST, ELGIN, IL 60123-8588
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049524
Date	Jun 28, 2021
Instrument	2021K049524

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.5%

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Jan 31, 2017
Property Address	1074 SPINNAKER ST, ELGIN, IL 60123-8588
Document Number	0000005975
Instrument Date	Jan 24, 2017
Instrument	5975
Transaction Type	Transfer
Record Updated	May 8, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1074 SPINNAKER ST ELGIN IL 601238588, ELGIN, IL 60123-8588

Mortgage

Document Number	5976
Date	Jan 31, 2017
Instrument	5976

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2047

Interest

Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 1074 Spinnaker St was $11,163 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	$11,163.00 Homeowner's exemption	$154,716 (+8.57%) Land $34,886 Building $119,830	$464,334 (+8.57%) Land $104,700 Building $359,634
2024		$142,503 Land $32,132 Building $110,371	$427,680 Land $96,435 Building $331,245
2022	$9,633.00 (+3.63%) Homeowner's exemption	$117,389 (+6.52%) Land $26,469 Building $90,920	$352,167 (+6.52%) Land $79,407 Building $272,760
2021	$9,296.00 Homeowner's exemption	$110,201 Land $24,747 Building $85,454	$330,603 Land $74,241 Building $256,362

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 1074 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 1074 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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