1087 Delta Dr, Elgin, IL 60123 Property Records

Kane County property record for 1087 Delta Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,524 sqft · built 1998
Owner	2 Individual Names on Record
Last Sale	$172,000 (Jul 2019)
Tax Bill	$5,164 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-035`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-035`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,524 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
Water Source	Commercial

Location & Zoning

Street Address	1087 DELTA DR
City	ELGIN
State	IL
Zip	60123-6581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDO UNIT 303-D
Legal Subdivision	WILLOW BAY CLUB CONDO
Legal Block	5
Legal Lot Number	19
Legal Unit	303-D
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5002
Census Tract	851907

Owner

Source: Kane County records, as of July 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1087 DELTA DR, ELGIN, IL 60123-6581
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 19, 2019	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE
Jul 5, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on Record
Deed Sale	Jul 19, 2019 · Amount on Record
Prior Sale	Apr 1, 2014
Deed Document Number	201931596
Prior Transfer Date	Jun 6, 2017
Prior Transfer Doc	0000034434
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1087 DELTA DR, ELGIN, IL 60123-6581
Transaction Type	Mortgage
Record Updated	Nov 23, 2021
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000085378
Date	Nov 12, 2021
Instrument	2021K085378

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 19, 2019
Property Address	1087 DELTA DR, ELGIN, IL 60123-6581
Document Number	0000031596
Instrument Date	Jul 17, 2019
Instrument	31596
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4302 N KENMORE #1 ELGIN IL 60123, 1, ELGIN, IL 60123

Mortgage

Document Number	31597
Date	Jul 19, 2019
Instrument	31597

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2049

Interest

Rate Type	Fixed Rate
Rate	3.99%

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jul 5, 2017
Property Address	1087 DELTA DR, ELGIN, IL 60123-6581
Document Number	0000034434
Instrument Date	Jun 6, 2017
Instrument	34434
Transaction Type	Transfer
Record Updated	Jul 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1087 DELTA DR ELGIN IL 601236581, ELGIN, IL 60123-6581

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$5,164.00 (+15.78%) Homeowner's exemption
2024		$69,723 (+21.39%) Land $16,550 Building $53,173	$209,253 (+21.44%) Land $49,670 Building $159,583
2022	$4,460.00 (+4.82%) Homeowner's exemption	$57,436 (+6.96%) Land $13,634 Building $43,802	$172,308 (+6.96%) Land $40,902 Building $131,406
2021	$4,255.00 Homeowner's exemption	$53,699 Land $12,747 Building $40,952	$161,097 Land $38,241 Building $122,856

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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