1086 Delta Dr, Elgin, IL 60123 Property Records

Kane County property record for 1086 Delta Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,542 sqft · built 1998
Owner	Individual Name on Record
Last Sale	$270,000 (Apr 2024)
Tax Bill	$5,185 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-016`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-016`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,542 sqft Living Area

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	1086 DELTA DR
City	ELGIN
State	IL
Zip	60123-6580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDO UNIT 45E
Legal Subdivision	WILLOW BAY CLUB CONDO
Legal Block	5
Legal Unit	45E
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5000
Census Tract	851907

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3915 WINDJAMMER LN, HANOVER PARK, IL 60133-6263
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2024 · Amount on Record
Deed Sale	Apr 26, 2024 · Amount on Record
Prior Sale	Jun 30, 1998 · Amount on Record
Deed Document Number	202413706
Prior Transfer Date	Oct 21, 2010
Prior Transfer Doc	0000017579
Record Updated	Oct 29, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Apr 26, 2024
Property Address	1086 DELTA DR, ELGIN, IL 60123-6580
Document Number	0000013706
Instrument Date	Apr 16, 2024
Instrument	2024K013706
Transaction Type	Transfer
Record Updated	May 3, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1086 DELTA DR, ELGIN, IL 60123-6580

Mortgage

Document Number	0000013707
Date	Apr 26, 2024
Instrument	2024K013707

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate	6.75%

Tax Assessment & Valuation

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	$5,185.00 (+28.21%)	$75,975 (+8.57%) Land $17,968 Building $58,007	$228,016 (+8.57%) Land $53,926 Building $174,091
2024		$69,978 (+21.39%) Land $16,550 Building $53,428	$210,018 (+21.44%) Land $49,670 Building $160,348
2022	$4,044.00 (+5.7%) Homeowner's exemption	$57,646 (+6.96%) Land $13,634 Building $44,012	$172,938 (+6.96%) Land $40,902 Building $132,036
2021	$3,826.00 Homeowner's exemption	$53,895 Land $12,747 Building $41,148	$161,685 Land $38,241 Building $123,444

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 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

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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