1106 Delta Dr, Elgin, IL 60123 Property Records

Kane County property record for 1106 Delta Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,524 sqft · built 1998
Owner	Individual Name on Record
Last Sale	$275,000 (May 2024)
Tax Bill	$5,164 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-029`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-029`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,524 sqft Living Area

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	1106 DELTA DR
City	ELGIN
State	IL
Zip	60123-6582
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDO UNIT 52-D
Legal Subdivision	WILLOW BAY CLUB CONDO
Legal Block	5
Legal Unit	52-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	2430 FAIRCHILD LN, WEST CHICAGO, IL 60185-6165
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage STONEHAVEN MORTGAGE INCORPORATED
Dec 29, 2020	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 20, 2017	Warranty Deed, Transfer · Conventional Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2024 · Amount on Record
Deed Sale	May 29, 2024 · Amount on Record
Prior Sale	Dec 29, 2020 · Amount on Record
Deed Document Number	202417999
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1106 DELTA DR, ELGIN, IL 60123-6582
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 DEITA DR, ELGIN, IL 60123-6582

Mortgage

Document Number	0000047728
Date	Dec 3, 2025
Instrument	2025K047728

Lender

Name	STONEHAVEN MORTGAGE INCORPORATED
Type	Mortgage Company
Address	ELMHURST, IL 60126

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.5%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 29, 2020
Property Address	1106 DELTA DR, ELGIN, IL 60123-6582
Document Number	0000081768
Map Reference	DOC 98K020168
Instrument Date	Dec 1, 2020
Instrument	2020K081768
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 DELTA DR, ELGIN, IL 60123-6582

Mortgage

Document Number	0000081769
Date	Dec 29, 2020
Instrument	2020K081769

Lender

Name	CROSSCOUNTRY MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.25%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 20, 2017
Property Address	1106 DELTA DR, ELGIN, IL 60123-6582
Document Number	0000031515
Instrument Date	Jun 15, 2017
Instrument	31515
Transaction Type	Transfer
Record Updated	Jul 12, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

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
Relationship	Tenants by the Entirety
Address	1106 DELTA DR ELGIN IL 601236582, ELGIN, IL 60123-6582

Mortgage

Document Number	31516
Date	Jun 20, 2017
Instrument	31516

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	$5,164.00 (+15.78%)	$75,698 (+8.57%) Land $17,968 Building $57,730	$227,185 (+8.57%) Land $53,926 Building $173,259
2024		$69,723 (+21.39%) Land $16,550 Building $53,173	$209,253 (+21.44%) Land $49,670 Building $159,583
2022	$4,460.00 (+4.82%) Homeowner's exemption	$57,436 (+6.96%) Land $13,634 Building $43,802	$172,308 (+6.96%) Land $40,902 Building $131,406
2021	$4,255.00 Homeowner's exemption	$53,699 Land $12,747 Building $40,952	$161,097 Land $38,241 Building $122,856

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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