1097 Todd Farm Dr, Elgin, IL 60123 Property Records

Kane County property record for 1097 Todd Farm Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 812 sqft · built 1969
Lot Size	0.2 acres (8,722 sqft)
Owner	Individual Name on Record
Last Sale	$116,000 (Mar 2017)
Tax Bill	$3,748 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-03-453-038`

Property Details

APN / Parcel Number

Primary APN	`06-03-453-038`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	812 sqft Living Area
Gross Area	1,624 sqft
1st Floor Area	812 sqft
Basement Area	812 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Frame
Lot Area	8,722 sqft (0.2 acres)
Lot Width	43 ft Width
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1097 TODD FARM DR
City	ELGIN
State	IL
Zip	60123-1724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS 6TH ADDN PART OF LOT 40 DESC IN DOC 1740972 SEC 3-41-8
Legal Range	08
Legal Township	41
Legal Section	03
Legal Subdivision	CENTURY OAKS 6TH ADDN
Legal Block	1
Legal Lot Number	40
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1017
Census Tract	851000

Owner

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	Individual Name on Record
Mailing Address	1097 TODD FARM DR, ELGIN, IL 60123-1724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 22, 2017	Warranty Deed, Transfer · FHA Mortgage IMORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2017 · Amount on Record
Deed Sale	Mar 22, 2017 · Amount on Record
Deed Document Number	201714389
Prior Transfer Date	Apr 2, 2003
Prior Transfer Doc	0000079624
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1097 TODD FARM DR, ELGIN, IL 60123-1724
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009520
Date	Feb 24, 2020
Instrument	2020K009520

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Mar 1, 2047

Interest

Rate	3.97%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 22, 2017
Property Address	1097 TODD FARM DR, ELGIN, IL 60123-1724
Document Number	0000014389
Instrument Date	Mar 1, 2017
Instrument	14389
Transaction Type	Transfer
Record Updated	May 5, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$174.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6900 WEST AVE HANOVER PARK IL 601333444, HANOVER PARK, IL 60133-3444

Mortgage

Document Number	14390
Date	Mar 22, 2017
Instrument	14390

Lender

Name	IMORTGAGE
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85251

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 2047

Interest

Rate	5%

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	$3,748.00 (+15.75%) Homeowner's exemption	$57,131 (+8.57%) Land $14,370 Building $42,761	$171,462 (+8.57%) Land $43,127 Building $128,334
2024		$52,622 (+21.39%) Land $13,236 Building $39,386	$157,929 (+21.44%) Land $39,724 Building $118,205
2022	$3,238.00 (+5.13%) Homeowner's exemption	$43,349 (+6.96%) Land $10,904 Building $32,445	$130,047 (+6.96%) Land $32,712 Building $97,335
2021	$3,080.00 Homeowner's exemption	$40,528 Land $10,194 Building $30,334	$121,584 Land $30,582 Building $91,002

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

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

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 264 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

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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