Kane County property record for 1101 Spinnaker St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,392 sqft · built 2000 |
| Lot Size | 0.263 acres (11,469 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $234,500 (Apr 2001) |
| Tax Bill | $11,140 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-28-453-007 |
| Primary APN | 06-28-453-007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,392 sqft Living Area |
| Gross Area | 3,588 sqft |
| Basement Area | 1,196 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Frame |
| Lot Area | 11,469 sqft (0.263 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 1101 SPINNAKER ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-8582 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEARTLAND MEADOWS UNIT 10 (WILLOW BAY) LOT 879 |
| Legal Subdivision | HEARTLAND MEADOWS |
| Legal Block | 4 |
| Legal Lot Number | 879 |
| Legal Unit | 10 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 851907 |
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 | 2 Company Names on File |
|---|---|
| Mailing Address | 1101 SPINNAKER ST, ELGIN, IL 60123-8582 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2001 · Amount on File |
| Deed Sale | Apr 3, 2001 · Amount on File |
| Deed Document Number | 200129234 |
| Last Transfer Date | Jul 9, 2025 |
| Transfer Doc | 0000028611 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1101 SPINNAKER ST, ELGIN, IL 60123-8582 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1101 SPINNAKER ST, ELGIN, IL 60123-8582 |
| Document Number | 0000037267 |
|---|---|
| Date | Sep 25, 2025 |
| Instrument | 2025K037267 |
| Name | BMO BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 23, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.4% |
| Change Frequency | Monthly |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,140.00 (+15.88%) | $154,033 (+8.57%) Land $30,744 Building $123,289 | $462,284 (+8.57%) Land $92,269 Building $370,015 |
| 2024 | $141,874 (+21.39%) Land $28,317 Building $113,557 | $425,792 (+21.44%) Land $84,985 Building $340,807 | |
| 2022 | $9,613.00 (+4.34%) Homeowner's exemption | $116,870 (+6.96%) Land $23,326 Building $93,544 | $350,610 (+6.96%) Land $69,978 Building $280,632 |
| 2021 | $9,213.00 Homeowner's exemption | $109,265 Land $21,808 Building $87,457 | $327,795 Land $65,424 Building $262,371 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 360 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Metronet.
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