1109 Pine Valley Ct, Elgin, IL 60124 Property Records

Kane County property record for 1109 Pine Valley Ct, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,610 sqft · built 2007
Owner	Individual Name on Record
Last Sale	$239,000 (Jul 2018)
Tax Bill	$9,364 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-25-476-020`

Property Details

APN / Parcel Number

Primary APN	`05-25-476-020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,610 sqft Living Area
Basement Area	1,003 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Frame
Garage Type	Carport
Garage Area	436 sqft
Carport	Carport
Carport Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1109 PINE VALLEY CT
City	ELGIN
State	IL
Zip	60124-3118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BOWES CREEK COUNTRY CLUB PHASE 1 BLD 8 ON LT 116 AS DESC IN DOC 2007K019839
Legal Subdivision	BOWES CREEK COUNTRY CLUB
Legal Phase	1
Legal Block	1
Legal Lot Number	116
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1093
Census Tract	850709

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	1109 PINE VALLEY CT, ELGIN, IL 60124-3118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN BANK
Jan 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN BANK
Jul 6, 2018	Warranty Deed, Transfer · Conventional Mortgage PERL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2018 · Amount on Record
Deed Sale	Jul 6, 2018 · Amount on Record
Prior Sale	Dec 14, 2016 · Amount on Record
Deed Document Number	201832403
Prior Transfer Date	Feb 13, 2013
Prior Transfer Doc	0000012095
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1109 PINE VALLEY CT, ELGIN, IL 60124-3118
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042883
Date	Aug 25, 2022
Instrument	2022K042883

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1109 PINE VALLEY CT, ELGIN, IL 60124-3118
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034329
Date	Jun 29, 2020
Instrument	2020K034329

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	2.75%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1109 PINE VALLEY CT, ELGIN, IL 60124-3118
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001522
Date	Jan 9, 2020
Instrument	2020K001522

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 6, 2018
Property Address	1109 PINE VALLEY CT, ELGIN, IL 60124-3118
Document Number	0000032403
Instrument Date	Jun 1, 2018
Instrument	2018K032403
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	213 NICOLE DR, SOUTH ELGIN, IL 60177-3618

Mortgage

Document Number	0000032404
Date	Jul 6, 2018
Instrument	2018K032404

Lender

Name	PERL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate	4.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Plato 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	$9,364.00 (+15.49%) Homeowner's exemption	$129,015 (+7.79%) Land $19,860 Building $109,155	$387,200 (+7.79%) Land $59,604 Building $327,596
2024		$119,691 (+23.07%) Land $18,425 Building $101,266	$359,217 (+23.12%) Land $55,297 Building $303,920
2022	$8,108.00 (+4.18%) Homeowner's exemption	$97,252 (+6.95%) Land $16,018 Building $81,234	$291,756 (+6.95%) Land $48,054 Building $243,702
2021	$7,783.00 Homeowner's exemption	$90,936 Land $15,475 Building $75,461	$272,808 Land $46,425 Building $226,383

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	3 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 137 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
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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