1091 Delta Dr, Elgin, IL 60123 Property Records

Kane County property record for 1091 Delta Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,524 sqft · built 1998
Owner	Individual Name on File
Last Sale	$295,000 (Nov 2025)
Tax Bill	$4,240 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-037`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-037`

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
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	1091 DELTA DR
City	ELGIN
State	IL
Zip	60123-6581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDOMINIUMS UNIT 305-E
Legal Subdivision	WILLOW BAY CLUB CONDOS
Legal Block	5
Legal Unit	305-E
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5002
Census Tract	851907

Owner

Source: Kane County assessment roll, as of December 26, 2025

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

Owner of Record	Individual Name on File
Mailing Address	1091 DELTA DR, ELGIN, IL 60123-6581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2025	Deed of Trust, Mortgage · Non-Conforming Investor Loan FIRST AMERICAN BANK
Nov 17, 2025	Warranty Deed, Transfer · Conventional Mortgage KANE COUNTY TEACHERS CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 17, 2025 · Amount on Record
Deed Sale	Nov 17, 2025 · Amount on Record
Prior Sale	Feb 11, 2002 · Amount on Record
Deed Document Number	202545552
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1091 DELTA DR, ELGIN, IL 60123-6581
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033888
Date	Sep 4, 2025
Instrument	2025K033888

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	11 Months
Due	Aug 29, 2026

Interest

Rate Type	Adjustable Rate
Rate	9%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 17, 2025
Property Address	1091 DELTA DR, ELGIN, IL 60123-6581
Document Number	0000045552
Map Reference	DOC 98K020168
Instrument Date	Nov 14, 2025
Instrument	2025K045552
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1091 DELTA DR, ELGIN, IL 60123-6581

Mortgage

Document Number	0000045553
Date	Nov 17, 2025
Instrument	2025K045553

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate	5.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 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	$4,240.00 (-4.68%) Homeowner's exemption Senior Citizen's exemption
2024	$4,448.00 (+6.95%) Homeowner's exemption	$71,583 (+21.39%) Land $16,550 Building $55,033	$214,835 (+21.44%) Land $49,670 Building $165,165
2022	$4,159.00 (+5.64%) Homeowner's exemption	$58,968 (+6.96%) Land $13,634 Building $45,334	$176,904 (+6.96%) Land $40,902 Building $136,002
2021	$3,937.00 Homeowner's exemption	$55,131 Land $12,747 Building $42,384	$165,393 Land $38,241 Building $127,152

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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