Kane County property record for 1085 Willow Bay, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,428 sqft · built 1997 |
| Lot Size | 0.179 acres (7,781 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,500 (Mar 1998) |
| Tax Bill | $8,178 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-28-410-007 |
| Primary APN | 06-28-410-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,428 sqft Living Area |
| Gross Area | 2,856 sqft |
| 1st Floor Area | 1,428 sqft |
| Basement Area | 1,428 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Construction Type | Frame |
| Lot Area | 7,781 sqft (0.179 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 1085 WILLOW BAY |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-6539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEARTLAND MEADOWS UNIT 1 (WILLOW BAY) LOT 656 |
| Legal Subdivision | HEARTLAND MEADOWS |
| Legal Block | 3 |
| Legal Lot Number | 656 |
| Legal Unit | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 851907 |
1085 Willow Bay is owned and occupied by two individuals who bought it in March 1998.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1085 WILLOW BAY, ELGIN, IL 60123-6539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 1998 · Amount on File |
| Deed Sale | Mar 25, 1998 · Amount on File |
| Prior Sale | Jan 30, 1998 · Amount on File |
| Deed Document Number | 199823911 |
| Prior Transfer Date | Jan 22, 1998 |
| Prior Transfer Doc | 0000023911 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 1085 Willow Bay was $8,178 with exemptions applied.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,178.00 Homeowner's exemption Senior Citizen's exemption | $123,206 (+8.57%) Land $34,886 Building $88,320 | $369,766 (+8.57%) Land $104,700 Building $265,066 |
| 2024 | $113,480 Land $32,132 Building $81,348 | $340,576 Land $96,435 Building $244,142 | |
| 2022 | $7,152.00 (+10.68%) Homeowner's exemption | $93,481 (+6.96%) Land $26,469 Building $67,012 | $280,443 (+6.96%) Land $79,407 Building $201,036 |
| 2021 | $6,462.00 Homeowner's exemption | $87,398 Land $24,747 Building $62,651 | $262,194 Land $74,241 Building $187,953 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1085 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.
The area around 1085 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.
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 |
| 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.
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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