1109 Reserve Dr, Elgin, IL 60124 Property Records

Kane County property record for 1109 Reserve Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,626 sqft · built 2004
Owner	Individual Name on Record
Last Sale	$168,000 (Jul 2009)
Tax Bill	$5,366 (2025)
Deeds & Mortgages	Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-29-477-019`

Property Details

APN / Parcel Number

Primary APN	`06-29-477-019`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,626 sqft Living Area
Gross Area	2,439 sqft
Basement Area	813 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Width	21 ft Width

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1109 RESERVE DR
City	ELGIN
State	IL
Zip	60124-8824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RESERVE - THAT PT OF LOT 8 AS DESC IN DOC 2005K005433 01/13/2005
Legal Subdivision	THE RESERVE
Legal Block	2
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2000
Census Tract	851912

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 RESERVE DR, ELGIN, IL 60124-8824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2009 · Amount on Record
Deed Sale	Jul 31, 2009 · Amount on Record
Prior Sale	Jan 13, 2005 · Amount on Record
Deed Document Number	200958598
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1109 RESERVE DR, ELGIN, IL 60124-8824
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028806
Date	Jun 6, 2017
Instrument	2017K028806

Lender

Name	WEST SUBURBAN BANK
Type	Bank
Address	LOMBARD, IL 60148

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate	3.25%

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	$5,366.00 (+3.99%) Homeowner's exemption	$86,344 (+8.57%) Land $20,940 Building $65,404	$259,136 (+8.57%) Land $62,845 Building $196,291
2024		$79,528 (+21.39%) Land $19,287 Building $60,241	$238,679 (+21.44%) Land $57,884 Building $180,795
2022	$5,160.00 (+4.69%) Homeowner's exemption	$65,512 (+6.96%) Land $15,888 Building $49,624	$196,536 (+6.96%) Land $47,664 Building $148,872
2021	$4,929.00 Homeowner's exemption	$61,249 Land $14,854 Building $46,395	$183,747 Land $44,562 Building $139,185

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · rainfall accumulation

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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Xfinity Cable	1,200 / 35

May also be available: AT&T, T-Mobile, Verizon.

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