1080 Willow Bay, Elgin, IL 60123 Property Records

Kane County property record for 1080 Willow Bay, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,636 sqft · built 1997
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Trust Names on File
Last Sale	$203,000 (Dec 2002)
Tax Bill	$8,498 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-408-020`

Property Details

APN / Parcel Number

Primary APN	`06-28-408-020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,636 sqft Living Area
Gross Area	2,792 sqft
Basement Area	1,156 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1080 WILLOW BAY
City	ELGIN
State	IL
Zip	60123-6535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 1 (WILLOW BAY) LOT 658
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	658
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3008
Census Tract	851907

Owner

1080 Willow Bay is owner-occupied and held in a trust since December 2002.

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

Owner of Record	2 Trust Names on File
Mailing Address	1080 WILLOW BAY, ELGIN, IL 60123-6535
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jan 21, 2026	Deed of Trust, Mortgage BMO BANK NA
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2002 · Amount on File
Deed Sale	Dec 5, 2002 · Amount on File
Prior Sale	May 24, 1999 · Amount on File
Deed Document Number	2002160361
Prior Transfer Date	Jul 25, 2000
Prior Transfer Doc	0000075879
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1080 WILLOW BAY, ELGIN, IL 60123-6535
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1080 WILLOW BAY, ELGIN, IL 60123-6535

Mortgage

Document Number	0000002733
Date	Jan 21, 2026
Instrument	2026K002733

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2056

Interest

Rate	7.29%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1080 WILLOW BAY, ELGIN, IL 60123-6535
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029845
Date	Jun 9, 2020
Instrument	2020K029845

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	May 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 1080 Willow Bay was $8,498 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	$8,498.00 Homeowner's exemption	$119,400 (+8.57%) Land $30,744 Building $88,656	$358,343 (+8.57%) Land $92,269 Building $266,074
2024		$109,975 Land $28,317 Building $81,658	$330,057 Land $84,985 Building $245,072
2022	$7,335.00 (+4.47%) Homeowner's exemption	$90,593 (+6.96%) Land $23,326 Building $67,267	$271,779 (+6.96%) Land $69,978 Building $201,801
2021	$7,021.00 Homeowner's exemption	$84,698 Land $21,808 Building $62,890	$254,094 Land $65,424 Building $188,670

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 Willow Bay 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

The area around 1080 Willow Bay 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 477 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
AT&T DSL	100 / 20

May also be available: Metronet.

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