1094 Delta Dr, Elgin, IL 60123 Property Records

Kane County property record for 1094 Delta Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,170 sqft · built 1998
Owner	Individual Name on Record
Last Sale	$265,000 (May 2026)
Tax Bill	$4,623 (2025)
Deeds & Mortgages	Jul 2024 Second Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-012`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-012`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	1,170 sqft
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	1094 DELTA DR
City	ELGIN
State	IL
Zip	60123-6580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDOMINIUM UNIT 41A
Legal Subdivision	WILLOW BAY CLUB CONDO
Legal Block	5
Legal Unit	41A
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	3613 TOURNAMENT DR, ELGIN, IL 60124-3134
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
Mar 24, 2022	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Jul 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	Mar 24, 2022 · Amount on Record
Deed Document Number	202619875
Prior Transfer Date	Feb 14, 2014
Prior Transfer Doc	0000009062
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1094 DELTA DR, ELGIN, IL 60123-6580
Transaction Type	Mortgage
Record Updated	May 22, 2026
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023921
Date	Jul 10, 2024
Instrument	2024K023921

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jun 6, 2034

Interest

Rate Type	Fixed Rate
Rate	12.8%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 14, 2026
Property Address	1094 DELTA DR, ELGIN, IL 60123-6580
Document Number	0000019875
Instrument Date	Apr 30, 2026
Instrument	202619875
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,147.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3613 TOURNAMENT DR, ELGIN, IL 60124-3134

Mortgage

Document Number	0000019877,
Date	May 14, 2026
Instrument	202619877

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.75%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 24, 2022
Property Address	1094 DELTA DR, ELGIN, IL 60123-6580
Document Number	0000016477
Instrument Date	Jan 21, 2022
Instrument	2022K016477
Transaction Type	Transfer
Record Updated	Mar 30, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$194.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1094 DELTA DR, 1094, ELGIN, IL 60123-6580

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 B S RANDALL RD #5475 # 5475, 5475, KANE, IL 62054

Mortgage

Document Number	0000016478
Date	Mar 24, 2022
Instrument	2022K016478

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.62%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1094 DELTA DR, ELGIN, IL 60123-6580
Document Number	0000036290
Instrument Date	Jul 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1094 DELTA DR ELGIN IL 601236580, ELGIN, IL 60123-6580

Mortgage

Document Number	0000036290
Date	Jul 14, 2017
Instrument	36290

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2047

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	$4,623.00 (+4.69%) Homeowner's exemption	$68,608 (+8.57%) Land $17,724 Building $50,884	$205,906 (+8.57%) Land $53,193 Building $152,713
2024	$4,416.00 (+10.59%)	$63,192 (+21.39%) Land $16,325 Building $46,867	$189,652 (+21.44%) Land $48,995 Building $140,657
2022	$3,993.00 (+4.91%) Homeowner's exemption	$52,056 (+6.96%) Land $13,448 Building $38,608	$156,168 (+6.96%) Land $40,344 Building $115,824
2021	$3,806.00 Homeowner's exemption	$48,669 Land $12,573 Building $36,096	$146,007 Land $37,719 Building $108,288

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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