10N770 2nd St, Elgin, IL 60123 Property Records

Kane County property record for 10N770 2nd St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,395 sqft · built 1985
Lot Size	0.54 acres (23,522 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Mar 2024)
Tax Bill	$6,516 (2022)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-21-229-010`

Property Details

APN / Parcel Number

Primary APN	`06-21-229-010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,395 sqft Living Area
Gross Area	2,790 sqft
1st Floor Area	1,395 sqft
Basement Area	1,395 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	23,522 sqft (0.54 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	10N770 2ND ST
City	ELGIN
State	IL
Zip	60123-5824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOX RIVER HILLS MAP 1 LOTS 19 & 20
Legal Subdivision	FOX RIVER HILLS
Legal Block	2
Legal Lot Number	19,20
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2025
Census Tract	851908

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	10N770 2ND ST, ELGIN, IL 60123-5824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Warranty Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 8, 2020	Grant Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2024 · Amount on Record
Deed Sale	Mar 21, 2024 · Amount on Record
Prior Sale	Jan 8, 2020 · Amount on Record
Deed Document Number	20249218
Prior Transfer Date	Dec 26, 2007
Prior Transfer Doc	0000000374
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 21, 2024
Property Address	10N770 2ND ST, ELGIN, IL 60123-5824
Document Number	0000009218
Instrument Date	Mar 14, 2024
Instrument	2024K009218
Transaction Type	Transfer
Record Updated	Mar 27, 2024
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10N770 2ND ST, ELGIN, IL 60123-5824

Mortgage

Document Number	0000009219
Date	Mar 21, 2024
Instrument	2024K009219

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate	6.25%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	10N770 2ND ST, ELGIN, IL 60123-5824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACQUEST TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000080355
Date	Dec 22, 2020
Instrument	2020K080355

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Jan 8, 2020
Property Address	10N770 2ND ST, ELGIN, IL 60123-5824
Document Number	0000001088
Instrument Date	Dec 26, 2019
Instrument	1088
Transaction Type	Transfer
Record Updated	Jan 24, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.75
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2050 DEEP CUT RD WOODSTOCK IL 600989743, WOODSTOCK, IL 60098-9743

Mortgage

Document Number	1089
Date	Jan 8, 2020
Instrument	1089

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2050

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
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$115,545 (+8.57%) Land $25,661 Building $89,884	$346,774 (+8.57%) Land $77,014 Building $269,760
2024		$106,424 (+21.39%) Land $23,635 Building $82,789	$319,400 (+21.44%) Land $70,933 Building $248,466
2022	$6,516.00 (+6.19%) Homeowner's exemption	$87,668 (+6.96%) Land $19,469 Building $68,199	$263,004 (+6.96%) Land $58,407 Building $204,597
2021	$6,136.00 Homeowner's exemption	$81,963 Land $18,202 Building $63,761	$245,889 Land $54,606 Building $191,283

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 234 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
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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