Kane County property record for 10N985 2nd St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1941 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Mar 2023) |
| Tax Bill | $4,390 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Mar 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-22-106-001 |
| Primary APN | 06-22-106-001 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 5 Stories |
| Building Area | 864 sqft Living Area |
| Gross Area | 1,440 sqft |
| Basement Area | 576 sqft |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Detached |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 10N985 2ND ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-5821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WALTER G MCINTOSH COS FOX RIVER GARDENS LOT 46 |
| Legal Subdivision | WALTER G MCINTOSH COS FOX RIVER GARDENS |
| Legal Block | 2 |
| Legal Lot Number | 46 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 851908 |
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 | 10N985 2ND ST, ELGIN, IL 60123-5821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) GREENSTATE CU |
| Mar 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Dec 27, 2021 | Warranty Deed, Transfer · Commercial Mortgage NORTHWEST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2023 · Amount on Record |
| Deed Sale | Mar 27, 2023 · Amount on Record |
| Prior Sale | Dec 27, 2021 · Amount on Record |
| Deed Document Number | 20239199 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 10N985 2ND ST, ELGIN, IL 60123-5821 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000009201 |
|---|---|
| Date | Mar 27, 2023 |
| Instrument | 2023K009201 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 5, 2033 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 27, 2023 |
| Property Address | 10N985 2ND ST, ELGIN, IL 60123-5821 |
| Document Number | 0000009199 |
| Map Reference | DOC 1930K336425 |
| Instrument Date | Mar 24, 2023 |
| Instrument | 2023K009199 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10N985 2ND ST, ELGIN, IL 60123-5821 |
| Name | Verified Name |
|---|---|
| Address | 36W 178 SOUTH ST, ELGIN, IL 60123 |
| Document Number | 0000009200 |
|---|---|
| Date | Mar 27, 2023 |
| Instrument | 2023K009200 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 5, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 5, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 9% |
| Index | 1-Year CMT |
| Max Rate | 13% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 27, 2021 |
| Property Address | 10N985 2ND ST, ELGIN, IL 60123-5821 |
| Document Number | 0000095477 |
| Map Reference | MB 26 PG 32 |
| Instrument Date | Dec 21, 2021 |
| Instrument | 2021K095477 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | LAKESHORE TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $148.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10N985 2ND ST, ELGIN, IL 60123-5821 |
| Document Number | 0000095478 |
|---|---|
| Date | Dec 27, 2021 |
| Instrument | 2021K095478 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,390.00 (+13.03%) | $72,066 (+8.57%) Land $19,743 Building $52,323 | $216,285 (+8.57%) Land $59,253 Building $157,032 |
| 2024 | $66,378 (+21.39%) Land $18,185 Building $48,193 | $199,214 (+21.44%) Land $54,577 Building $144,637 | |
| 2022 | $3,884.00 (+6.56%) Homeowner's exemption | $54,680 (+6.96%) Land $14,980 Building $39,700 | $164,040 (+6.96%) Land $44,940 Building $119,100 |
| 2021 | $3,645.00 Homeowner's exemption | $51,122 Land $14,005 Building $37,117 | $153,366 Land $42,015 Building $111,351 |
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.
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.
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.
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 301 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 · DSL in parts of the area | 100 / 20 |
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