1104 Delta Dr, Elgin, IL 60123 Property Records

Kane County property record for 1104 Delta Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,398 sqft · built 1998
Owner	Individual Name on Record
Last Sale	$235,500 (Mar 2019)
Tax Bill	$5,204 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-030`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-030`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,398 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Condo/Apartment
Construction Type	Frame
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1104 DELTA DR
City	ELGIN
State	IL
Zip	60123-6582
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDOMINIUM UNIT 53-D
Legal Subdivision	WILLOW BAY CLUB CONDO
Legal Block	5
Legal Unit	53-D
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5000
Census Tract	851907

Owner

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	1104 DELTA DR, ELGIN, IL 60123-6582
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2019	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Mar 29, 2019	Grant Deed, Transfer GUARANTEED RATE
Jun 19, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2019 · Amount on Record
Deed Sale	Mar 29, 2019 · Amount on Record
Prior Sale	Nov 25, 2013 · Amount on Record
Deed Document Number	201912237
Prior Transfer Date	Jun 1, 2017
Prior Transfer Doc	0000031223
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1104 DELTA DR, ELGIN, IL 60123-6582
Document Number	0000019877
Instrument Date	Mar 29, 2019
Transaction Type	Mortgage
Record Updated	May 31, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 DELTA DR ELGIN IL 601236582, ELGIN, IL 60123-6582

Mortgage

Document Number	0000019877
Date	May 17, 2019
Instrument	19877

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2049

Interest

Rate Type	Fixed Rate
Rate	4.49%

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Mar 29, 2019
Property Address	1104 DELTA DR, ELGIN, IL 60123-6582
Document Number	0000012237
Instrument Date	Mar 26, 2019
Instrument	12237
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 DELTA DR ELGIN IL 601236582, ELGIN, IL 60123-6582

Mortgage

Document Number	12238
Date	Mar 29, 2019
Instrument	12238

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2049

Interest

Rate Type	Fixed Rate
Rate	4.49%

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jun 19, 2017
Property Address	1104 DELTA DR, ELGIN, IL 60123-6582
Document Number	0000031223
Instrument Date	Jun 1, 2017
Instrument	31223
Transaction Type	Transfer
Record Updated	Jul 12, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1104 DELTA DR ELGIN IL 601236582, ELGIN, IL 60123-6582

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	$5,204.00 (+15.8%) Homeowner's exemption	$76,222 (+8.57%) Land $17,968 Building $58,254	$228,758 (+8.57%) Land $53,926 Building $174,832
2024		$70,206 (+21.39%) Land $16,550 Building $53,656	$210,702 (+21.44%) Land $49,670 Building $161,032
2022	$4,494.00 (+4.8%) Homeowner's exemption	$57,834 (+6.96%) Land $13,634 Building $44,200	$173,502 (+6.96%) Land $40,902 Building $132,600
2021	$4,288.00 Homeowner's exemption	$54,071 Land $12,747 Building $41,324	$162,213 Land $38,241 Building $123,972

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 231 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
Starlink Satellite	280 / 30
Fox Valley Internet Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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