1098 Wakefield Dr, Elgin, IL 60120 Property Records

Cook County property record for 1098 Wakefield Dr, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,261 sqft · built 1994
Lot Size	0.231 acres (10,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (May 2022)
Tax Bill	$9,499 (2023)
Deeds & Mortgages	Mar 2021 Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-07-210-027`

Property Details

APN / Parcel Number

Primary APN	`06-07-210-027`
Alternative APN	`06-07-210-027-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,261 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,045 sqft (0.231 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1098 WAKEFIELD DR
City	ELGIN
State	IL
Zip	60120-4946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART E2 S07 T41N R09E 3P
Legal Range	9E
Legal Township	41N
Legal Section	07
Legal Subdivision	COBBLERS CROSSING UNIT 14
Legal Lot Number	14
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	4
Census Block	4007
Census Tract	804403

Owner

Source: Cook County records, as of May 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3158 N NEENAH AVE, CHICAGO, IL 60634-4982
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
May 3, 2022	Warranty Deed, Transfer · Conventional Mortgage SELFRELIANCE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2022 · Amount on Record
Deed Sale	May 3, 2022 · Amount on Record
Prior Sale	Jul 11, 2006 · Amount on Record
Deed Document Number	20224292
Prior Transfer Date	Jun 29, 2006
Prior Transfer Doc	0000049002
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1098 WAKEFIELD DR, ELGIN, IL 60120-4946
Transaction Type	Mortgage
Record Updated	Apr 9, 2024
Title Company	BURNET TITLE-POST CLOSING, BURNET TITLE POST CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007816058
Date	Mar 19, 2021
Instrument	2107816058

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.25%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	May 3, 2022
Property Address	1098 WAKEFIELD DR, ELGIN, IL 60120-4946
Document Number	0012304292
Map Reference	DOC 93793792
Instrument Date	Apr 29, 2022
Instrument	2212304292
Transaction Type	Transfer
Record Updated	Apr 9, 2024
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1098 WAKEFIELD DR, ELGIN, IL 60120-4946

Mortgage

Document Number	0012304293
Date	May 3, 2022
Instrument	2212304293

Lender

Name	SELFRELIANCE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	May 1, 2029
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	7.87%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover 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		$42,000 (+27.28%) Land $8,036 Building $33,964	$420,000 (+27.28%) Land $80,360 Building $339,640
2023	$9,499.00 (+14.81%)
2022	$8,274.00 Homeowner's exemption	$32,999 Land $7,031 Building $25,968	$329,990 Land $70,310 Building $259,680

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 February 11, 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	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 495 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
AT&T DSL	100 / 20

May also be available: T-Mobile.

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