Kane County property record for 1090 Willow Bay, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,404 sqft · built 1997 |
| Lot Size | 0.287 acres (12,481 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $299,000 (Nov 2006) |
| Tax Bill | $8,909 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-28-408-019 |
| Primary APN | 06-28-408-019 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| Gross Area | 2,808 sqft |
| 1st Floor Area | 1,404 sqft |
| Basement Area | 1,404 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 12,481 sqft (0.287 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Water Source | Commercial |
| Street Address | 1090 WILLOW BAY |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-6535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEARTLAND MEADOWS UNIT 1 (WILLOW BAY) LOT 657 |
| Legal Subdivision | HEARTLAND MEADOWS |
| Legal Block | 3 |
| Legal Lot Number | 657 |
| Legal Unit | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 851907 |
Source: Kane County records, as of July 23, 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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 1090 WILLOW BAY, ELGIN, IL 60123-6535 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2006 · Amount on Record |
| Deed Sale | Nov 27, 2006 · Amount on Record |
| Prior Sale | Jul 6, 2004 · Amount on Record |
| Deed Document Number | 2006128445 |
| Last Transfer Date | Jul 15, 2016 |
| Transfer Doc | 0000048676 |
| Record Updated | Oct 29, 2026 |
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 | $8,909.00 (+15.87%) Homeowner's exemption | $124,784 (+8.57%) Land $30,744 Building $94,040 | $374,502 (+8.57%) Land $92,269 Building $282,233 |
| 2024 | $114,934 (+21.39%) Land $28,317 Building $86,617 | $344,940 (+21.44%) Land $84,985 Building $259,955 | |
| 2022 | $7,689.00 (+4.46%) Homeowner's exemption | $94,678 (+6.96%) Land $23,326 Building $71,352 | $284,034 (+6.96%) Land $69,978 Building $214,056 |
| 2021 | $7,361.00 Homeowner's exemption | $88,517 Land $21,808 Building $66,709 | $265,551 Land $65,424 Building $200,127 |
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.
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.
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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