Kane County property record for 1092 Spinnaker St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,288 sqft · built 2000 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $323,000 (Jun 2005) |
| Tax Bill | $11,265 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-28-452-014 |
| Primary APN | 06-28-452-014 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,288 sqft Living Area |
| Gross Area | 3,432 sqft |
| Basement Area | 1,144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Frame |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Water Source | Commercial |
| Street Address | 1092 SPINNAKER ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-8588 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEARTLAND MEADOWS UNIT 10 (WILLOW BAY) LOT 849 |
| Legal Subdivision | HEARTLAND MEADOWS |
| Legal Block | 3 |
| Legal Lot Number | 849 |
| Legal Unit | 10 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 851907 |
1092 Spinnaker St is owned and occupied by two individuals who bought it in June 2005.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1092 SPINNAKER ST, ELGIN, IL 60123-8588 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 | Jun 9, 2005 · Amount on File |
| Deed Sale | Jun 9, 2005 · Amount on File |
| Prior Sale | Oct 11, 2000 · Amount on File |
| Deed Document Number | 200564869 |
| Prior Transfer Date | May 20, 2005 |
| Prior Transfer Doc | 0000064869 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1092 Spinnaker St was $11,265 with a homeowner's exemption.
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 | $11,265.00 Homeowner's exemption | $155,668 (+8.57%) Land $34,886 Building $120,782 | $467,191 (+8.57%) Land $104,700 Building $362,491 |
| 2024 | $143,380 Land $32,132 Building $111,248 | $430,312 Land $96,435 Building $333,878 | |
| 2022 | $9,721.00 (+4.35%) Homeowner's exemption | $118,111 (+6.96%) Land $26,469 Building $91,642 | $354,333 (+6.96%) Land $79,407 Building $274,926 |
| 2021 | $9,316.00 Homeowner's exemption | $110,426 Land $24,747 Building $85,679 | $331,278 Land $74,241 Building $257,037 |
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.
FEMA maps place 1092 Spinnaker St 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.
Wildfire risk around 1092 Spinnaker St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 360 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Metronet.
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