1082 Delta Dr, #31A, Elgin, IL 60123 Property Records

Kane County property record for 1082 Delta Dr, #31A, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,170 sqft · built 1998
Owner	2 Individual Names on File
Last Sale	$160,000 (Jan 2020)
Tax Bill	$3,991 (2025)
Deeds & Mortgages	Jan 2020 Sale Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-022`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-022`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	1,170 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	1082 DELTA DR, 31A
City	ELGIN
State	IL
Zip	60123-6580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDOMINIUM UNIT 31A
Legal Subdivision	WILLOW BAY CLUB CONDO
Legal Block	5
Legal Unit	31A
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5000
Census Tract	851907

Owner

1082 Delta Dr, #31A is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1082 DELTA DR, 31A, ELGIN, IL 60123-6580
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
Jan 8, 2020	Warranty Deed, Transfer STEWART TITLE
Oct 2, 2018	Warranty Deed, Transfer · Conventional Mortgage PARKSIDE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2020 · Amount on File
Deed Sale	Jan 8, 2020 · Amount on File
Prior Sale	Oct 2, 2018 · Amount on File
Deed Document Number	20201082
Prior Transfer Date	Sep 26, 2018
Prior Transfer Doc	0000048212
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 8, 2020
Property Address	1082 DELTA DR # 31A, 31A, ELGIN, IL 60123-6580
Document Number	0000001082
Instrument Date	Dec 30, 2019
Instrument	1082
Transaction Type	Transfer
Record Updated	Jan 24, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1082 DELTA DR #31A ELGIN IL 601236580, 31A, ELGIN, IL 60123-6580

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 2, 2018
Property Address	1082 DELTA DR # 31A, 31A, ELGIN, IL 60123-6580
Document Number	0000048212
Instrument Date	Sep 26, 2018
Instrument	48212
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1082 DELTA DR #31A ELGIN IL 601236580, 31A, ELGIN, IL 60123-6580

Mortgage

Document Number	48213
Date	Oct 2, 2018
Instrument	48213

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2033

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 1082 Delta Dr, #31A was $3,991 with exemptions applied.

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	$3,991.00 Homeowner's exemption Senior Citizen's exemption	$68,314 (+8.57%) Land $17,724 Building $50,590	$205,024 (+8.57%) Land $53,193 Building $151,831
2024		$62,922 Land $16,325 Building $46,597	$188,842 Land $48,995 Building $139,847
2022	$3,540.00 (+5.92%) Homeowner's exemption	$51,833 (+6.96%) Land $13,448 Building $38,385	$155,499 (+6.96%) Land $40,344 Building $115,155
2021	$3,342.00 Homeowner's exemption	$48,460 Land $12,573 Building $35,887	$145,380 Land $37,719 Building $107,661

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 1082 Delta Dr, #31A 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 1082 Delta Dr, #31A 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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