1080 Delta Dr, Elgin, IL 60123 Property Records

Kane County property record for 1080 Delta Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,580 sqft · built 1998
Owner	Individual Name on File
Last Sale	$299,000 (Oct 2026)
Tax Bill	$6,300 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-023`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,580 sqft Living Area
1st Floor Area	1,580 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	1080 DELTA DR
City	ELGIN
State	IL
Zip	60123-6580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDOMINIUM UNIT 32B
Legal Subdivision	WILLOW BAY CLUB CONDO
Legal Block	5
Legal Unit	32B
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5000
Census Tract	851907

Owner

1080 Delta Dr is owned by an individual who bought it in October 2026.

Source: Kane County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	144 RED CEDAR DR, STREAMWOOD, IL 60107-2232
Owner Type	Individual
Vesting	Single Man

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
Oct 5, 2026	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Apr 16, 2019	Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2026 · Amount on File
Deed Sale	Oct 5, 2026 · Amount on File
Prior Sale	Apr 16, 2019 · Amount on File
Deed Document Number	202642965
Prior Transfer Date	Jul 30, 1999
Prior Transfer Doc	0000089110
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 5, 2026
Property Address	1080 DELTA DR, ELGIN, IL 60123-6580
Document Number	0000042965
Instrument Date	Sep 28, 2026
Instrument	202642965
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45,298.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 RED CEDAR DR, STREAMWOOD, IL 60107-2232

Mortgage

Document Number	0000042966,
Date	Oct 5, 2026
Instrument	202642966

Lender

Name	WINTRUST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 16, 2019
Property Address	1080 DELTA DR, ELGIN, IL 60123-6580
Document Number	0000014613
Map Reference	DOC 98K020168
Instrument Date	Apr 1, 2019
Instrument	2019K014613
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	BAIRD & WARNER TTL SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
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	Joint Tenants
Address	1080 DELTA DR, ELGIN, IL 60123-6580

Mortgage

Document Number	0000014614
Date	Apr 16, 2019
Instrument	2019K014614

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 1080 Delta Dr was $6,300.

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	$6,300.00 Homeowner's exemption	$90,582 (+8.57%) Land $17,968 Building $72,614	$271,855 (+8.57%) Land $53,926 Building $217,929
2024		$83,432 Land $16,550 Building $66,882	$250,396 Land $49,670 Building $200,726
2022	$5,439.00 (+4.66%) Homeowner's exemption	$68,729 (+6.96%) Land $13,634 Building $55,095	$206,187 (+6.96%) Land $40,902 Building $165,285
2021	$5,197.00 Homeowner's exemption	$64,257 Land $12,747 Building $51,510	$192,771 Land $38,241 Building $154,530

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 1080 Delta Dr in Zone X, an area of minimal flood risk.

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

The area around 1080 Delta Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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