1105 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1105 Spinnaker St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,447 sqft · built 2000
Lot Size	0.366 acres (15,957 sqft)
Owner	Individual Name on Record
Last Sale	$276,500 (Nov 2000)
Tax Bill	$11,083 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Dec 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-453-006`

Property Details

APN / Parcel Number

Primary APN	`06-28-453-006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,447 sqft Living Area
Gross Area	3,801 sqft
Basement Area	1,354 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Frame
Lot Area	15,957 sqft (0.366 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1105 SPINNAKER ST
City	ELGIN
State	IL
Zip	60123-8582
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 10 LOT 877
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	877
Legal Unit	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4002
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	1105 SPINNAKER ST, ELGIN, IL 60123-8582
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Dec 30, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage DIAMOND RESIDENTIAL MORTGAGE CORP
Dec 30, 2025	Intrafamily Transfer, Transfer CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC
Feb 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Nov 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Jul 26, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2000 · Amount on Record
Deed Sale	Nov 20, 2000 · Amount on Record
Deed Document Number	200093499
Last Transfer Date	Oct 16, 2018
Transfer Doc	0000053714
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1105 SPINNAKER ST, ELGIN, IL 60123-8582
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082816
Date	Nov 3, 2021
Instrument	2021K082816

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

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

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Dec 30, 2025
Property Address	1105 SPINNAKER ST, ELGIN, IL 60123-8582
Document Number	0000051738
Map Reference	DOC 96K046770
Instrument Date	Dec 5, 2025
Instrument	2025K051738
Transaction Type	Transfer
Record Updated	Jan 7, 2026
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1105 SPINNAKER ST, ELGIN, IL 60123-8582

Mortgage

Document Number	0000051740
Date	Dec 30, 2025
Instrument	2025K051740

Lender

Name	DIAMOND RESIDENTIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.37%

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Dec 30, 2025
Property Address	1105 SPINNAKER ST, ELGIN, IL 60123-8582
Document Number	0000051739
Map Reference	DOC 96K046770
Instrument Date	Dec 5, 2025
Instrument	2025K051739
Transaction Type	Transfer
Record Updated	Jan 7, 2026
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 SPINNAKER ST, ELGIN, IL 60123-8582

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1105 SPINNAKER ST, ELGIN, IL 60123-8582
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007352
Date	Feb 10, 2020
Instrument	2020K007352

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

Interest

Rate	3.12%

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 5, 2018
Property Address	1105 SPINNAKER ST, ELGIN, IL 60123-8582
Document Number	0000053714
Instrument Date	Oct 16, 2018
Instrument	53714
Transaction Type	Transfer
Record Updated	Nov 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1105 SPINNAKER ST ELGIN IL 601238582, ELGIN, IL 60123-8582

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1105 SPINNAKER ST, ELGIN, IL 60123-8582
Document Number	0000005908
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 15, 2018
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1105 SPINNAKER ST ELGIN IL 601238582, ELGIN, IL 60123-8582

Mortgage

Document Number	0000005908
Date	Feb 5, 2018
Instrument	5908

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 4, 2033

Interest

Rate Type	Fixed Rate
Rate	3.5%

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jul 26, 2017
Property Address	1105 SPINNAKER ST, ELGIN, IL 60123-8582
Document Number	0000038744
Instrument Date	Jul 19, 2017
Instrument	38744
Transaction Type	Transfer
Record Updated	Aug 7, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1105 SPINNAKER ST ELGIN IL 601238582, ELGIN, IL 60123-8582

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	$11,083.00 (+4.9%) Homeowner's exemption	$153,284 (+8.57%) Land $30,744 Building $122,540	$460,036 (+8.57%) Land $92,269 Building $367,767
2024	$10,565.00 (+11.43%) Homeowner's exemption	$141,184 (+21.39%) Land $28,317 Building $112,867	$423,721 (+21.44%) Land $84,985 Building $338,736
2022	$9,481.00 (+4.36%) Homeowner's exemption	$116,302 (+6.96%) Land $23,326 Building $92,976	$348,906 (+6.96%) Land $69,978 Building $278,928
2021	$9,085.00 Homeowner's exemption	$108,734 Land $21,808 Building $86,926	$326,202 Land $65,424 Building $260,778

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

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 94% of the US · lower than 65% 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 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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