1079 Delta Dr, Elgin, IL 60123 Property Records

Kane County property record for 1079 Delta Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,152 sqft · built 1998
Owner	Individual Name on Record
Last Sale	$178,000 (Sep 2020)
Tax Bill	$5,156 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Mar 2017 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-011`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-011`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	2,304 sqft
1st Floor Area	1,152 sqft
Basement Area	1,152 sqft

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	1079 DELTA DR
City	ELGIN
State	IL
Zip	60123-6581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDOMINIUMS UNIT 316A
Legal Subdivision	WILLOW BAY CLUB CONDOS
Legal Block	5
Legal Unit	316A
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5002
Census Tract	851907

Owner

Source: Kane County records, as of July 21, 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 Record
Mailing Address	1079 DELTA DR, ELGIN, IL 60123-6581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2020	Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC
Mar 21, 2017	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN
Jan 27, 2017	Trustee's Deed, Construction Loan · Line of Credit HEARTLAND BK
Jan 4, 2017	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2020 · Amount on Record
Deed Sale	Sep 25, 2020 · Amount on Record
Prior Sale	Mar 21, 2017 · Amount on Record
Deed Document Number	202056262
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 25, 2020
Property Address	1079 DELTA DR, ELGIN, IL 60123-6581
Document Number	0000056262
Map Reference	DOC 98K020168
Instrument Date	Sep 14, 2020
Instrument	2020K056262
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	BAIRD & WARNER TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$178.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1295 BNRUCLE LN, SOUTH ELGIN, IL 60177

Mortgage

Document Number	0000056263
Date	Sep 25, 2020
Instrument	2020K056263

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 21, 2017
Property Address	1079 DELTA DR, ELGIN, IL 60123-6581
Document Number	0000014228
Instrument Date	Mar 8, 2017
Instrument	14228
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Tax	$234.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9N535 TIPI LN ELGIN IL 601248437, ELGIN, IL 60124-8437

January 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Jan 27, 2017
Property Address	1079 DELTA DR, ELGIN, IL 60123-6581
Instrument Date	Jan 26, 2017
Instrument	5169
Transaction Type	Construction Loan
Record Updated	Jan 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1079 DELTA DR ELGIN IL 601236581, ELGIN, IL 60123-6581

Mortgage

Document Number	0000005169
Date	Jan 27, 2017
Instrument	5169

Lender

Name	HEARTLAND BK
Type	Bank
Address	WESTERN SPRINGS, IL 60558

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 26, 2018

Interest

Rate Type	Adjustable Rate

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Jan 4, 2017
Property Address	1079 DELTA DR, ELGIN, IL 60123-6581
Document Number	0000000628
Instrument Date	Jan 3, 2017
Instrument	628
Transaction Type	Transfer
Record Updated	May 2, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Tax	$151.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	36W995 RED GATE RD ST CHARLES IL 601756223, ST CHARLES, IL 60175-6223

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	$5,156.00 (+15.81%) Homeowner's exemption
2024		$69,620 (+21.39%) Land $16,325 Building $53,295	$208,944 (+21.44%) Land $48,995 Building $159,949
2022	$4,452.00 (+4.8%) Homeowner's exemption	$57,351 (+6.96%) Land $13,448 Building $43,903	$172,053 (+6.96%) Land $40,344 Building $131,709
2021	$4,248.00 Homeowner's exemption	$53,619 Land $12,573 Building $41,046	$160,857 Land $37,719 Building $123,138

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

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

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.

Nearby Properties on Delta Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures