1106 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1106 Spinnaker St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,569 sqft · built 2000
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$317,500 (Sep 2020)
Tax Bill	$11,453 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-28-452-009`

Property Details

APN / Parcel Number

Primary APN	`06-28-452-009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,569 sqft Living Area
Gross Area	3,622 sqft
Basement Area	1,053 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1106 SPINNAKER ST
City	ELGIN
State	IL
Zip	60123-8589
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 10 (WILLOW BAY) LOT 854
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	854
Legal Unit	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3006
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	2 Individual Names on Record
Mailing Address	1106 SPINNAKER ST, ELGIN, IL 60123-8589
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 27, 2018	Trustee's Deed, Construction Loan · Line of Credit OLD SECOND NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2020 · Amount on Record
Deed Sale	Sep 21, 2020 · Amount on Record
Prior Sale	Nov 8, 2013 · Amount on Record
Deed Document Number	202054239
Prior Transfer Date	Feb 19, 2017
Prior Transfer Doc	0000010004
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 21, 2020
Property Address	1106 SPINNAKER ST, ELGIN, IL 60123-8589
Document Number	0000054239
Map Reference	DOC 96K046770
Instrument Date	Sep 4, 2020
Instrument	2020K054239
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	STARCK TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$317.50
Amount Accuracy	Rounded by County
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 SPINNAKER ST, ELGIN, IL 60123-8589

Mortgage

Document Number	0000054240
Date	Sep 21, 2020
Instrument	2020K054240

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

November 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Nov 27, 2018
Property Address	1106 SPINNAKER ST, ELGIN, IL 60123-8589
Instrument Date	Nov 20, 2018
Instrument	56793
Transaction Type	Construction Loan
Record Updated	Dec 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 SPINNAKER ST ELGIN IL 601238589, ELGIN, IL 60123-8589

Mortgage

Document Number	0000056793
Date	Nov 27, 2018
Instrument	56793

Lender

Name	OLD SECOND NAT'L BK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 26, 2019

Interest

Rate Type	Adjustable Rate
Rate	6.5%

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	$11,453.00 (+15.89%) Homeowner's exemption	$158,136 (+8.57%) Land $34,886 Building $123,250	$474,598 (+8.57%) Land $104,700 Building $369,898
2024		$145,653 (+21.39%) Land $32,132 Building $113,521	$437,134 (+21.44%) Land $96,435 Building $340,699
2022	$9,883.00 (+4.34%) Homeowner's exemption	$119,984 (+6.96%) Land $26,469 Building $93,515	$359,952 (+6.96%) Land $79,407 Building $280,545
2021	$9,472.00 Homeowner's exemption	$112,177 Land $24,747 Building $87,430	$336,531 Land $74,241 Building $262,290

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 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.

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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