1085 Polly Ct, Elgin, IL 60120 Property Records

Cook County property record for 1085 Polly Ct, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,459 sqft · built 1977
Lot Size	0.394 acres (17,151 sqft)
Owner	Individual Name on Record
Tax Bill	$6,529 (2023)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-07-121-007`

Property Details

APN / Parcel Number

Primary APN	`06-07-121-007`
Alternative APN	`06-07-121-007-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,459 sqft Living Area
1st Floor Area	1,459 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1978
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	17,151 sqft (0.394 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1085 POLLY CT
City	ELGIN
State	IL
Zip	60120-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(LORDS) (PARK) MANOR (UNIT10) SUB PT OF LT 2 OF CIRCU IT COURT PARTITION PT OF SECS 6 & 7 SEC 07-41-09
Legal Range	09E
Legal Township	41N
Legal Section	07
Legal Subdivision	LORDS PARK MANOR UNIT10
Legal Lot Number	2
Legal Unit	10
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2005
Census Tract	804403

Owner

Source: Cook County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1085 POLLY CT, ELGIN, IL 60120-3105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2014
Deed Sale	Jan 23, 2014
Prior Sale	Sep 19, 2006 · Amount on Record
Deed Document Number	201422021
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1085 POLLY CT, ELGIN, IL 60120-3105
Document Number	2032507264
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Dec 14, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1085 POLLY CT ELGIN IL 601203105, ELGIN, IL 60120-3105

Mortgage

Document Number	2032507264
Date	Nov 20, 2020
Instrument	32507264

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 19, 2045

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover 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		$31,000 (+19.24%) Land $12,006 Building $18,994	$310,000 (+19.24%) Land $120,060 Building $189,940
2023	$6,529.00 (+3.37%)
2022	$6,316.00 (+30.12%) Homeowner's exemption	$25,999 (+49.26%) Land $11,148 Building $14,851	$259,990 (+49.26%) Land $111,480 Building $148,510
2021	$4,854.00 Homeowner's exemption	$17,419 Land $9,004 Building $8,415	$174,190 Land $90,040 Building $84,150

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 February 11, 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 616 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20