1109 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1109 Spinnaker St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,995 sqft · built 2001
Lot Size	0.3 acres (13,084 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Jun 2018)
Tax Bill	$9,333 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-453-004`

Property Details

APN / Parcel Number

Primary APN	`06-28-453-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,995 sqft Living Area
Gross Area	2,583 sqft
Basement Area	588 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Frame
Foundation Type	Raised
Lot Area	13,084 sqft (0.3 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1109 SPINNAKER ST
City	ELGIN
State	IL
Zip	60123-8582
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 10 (WILLOW BAY) LOT 875
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	875
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1109 SPINNAKER ST, ELGIN, IL 60123-8582
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Jun 27, 2018	Warranty Deed, Transfer · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2018 · Amount on Record
Deed Sale	Jun 27, 2018 · Amount on Record
Prior Sale	Aug 16, 2001 · Amount on Record
Deed Document Number	201830556
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1109 SPINNAKER ST, ELGIN, IL 60123-8582
Transaction Type	Mortgage
Record Updated	Dec 15, 2021
Title Company	GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089514
Date	Dec 1, 2021
Instrument	2021K089514

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 27, 2018
Property Address	1109 SPINNAKER ST, ELGIN, IL 60123-8582
Document Number	0000030556
Map Reference	DOC96K046770
Instrument Date	Jun 14, 2018
Instrument	2018K030556
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
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
Address	1109 SPINNAKER ST, ELGIN, IL 60123-8582

Mortgage

Document Number	0000030557
Date	Jun 27, 2018
Instrument	2018K030557

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5.25%

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	$9,333.00 (+15.88%) Homeowner's exemption	$130,340 (+8.57%) Land $30,744 Building $99,596	$391,176 (+8.57%) Land $92,269 Building $298,908
2024		$120,051 (+21.39%) Land $28,317 Building $91,734	$360,297 (+21.44%) Land $84,985 Building $275,312
2022	$8,054.00 (+4.42%) Homeowner's exemption	$98,894 (+6.96%) Land $23,326 Building $75,568	$296,682 (+6.96%) Land $69,978 Building $226,704
2021	$7,713.00 Homeowner's exemption	$92,459 Land $21,808 Building $70,651	$277,377 Land $65,424 Building $211,953

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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