1111 Cottage Cv, Elgin, IL 60123 Property Records

Kane County property record for 1111 Cottage Cv, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,456 sqft · built 1997
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Company Names on Record
Last Sale	$245,000 (Apr 2019)
Tax Bill	$11,265 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-330-011`

Property Details

APN / Parcel Number

Primary APN	`06-28-330-011`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,456 sqft Living Area
Gross Area	3,826 sqft
Basement Area	1,370 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1111 COTTAGE CV
City	ELGIN
State	IL
Zip	60123-8577
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 9 (WILLOW BAY) LOT 782
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	782
Legal Unit	9
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 Company Names on Record
Mailing Address	1111 COTTAGE CV, ELGIN, IL 60123-8577
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jul 28, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 17, 2019	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2019 · Amount on Record
Deed Sale	Apr 17, 2019 · Amount on Record
Prior Sale	Jan 5, 1998 · Amount on Record
Deed Document Number	201914842
Last Transfer Date	Jul 14, 2020
Transfer Doc	0000041174
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1111 COTTAGE CV, ELGIN, IL 60123-8577
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044239
Date	Aug 10, 2020
Instrument	2020K044239

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2040

Interest

Rate Type	Fixed Rate
Rate	2.87%

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jul 28, 2020
Property Address	1111 COTTAGE CV, ELGIN, IL 60123-8577
Document Number	0000041174
Instrument Date	Jul 14, 2020
Instrument	41174
Transaction Type	Transfer
Record Updated	Sep 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1111 COTTAGE CV ELGIN IL 601238577, ELGIN, IL 60123-8577

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Apr 17, 2019
Property Address	1111 COTTAGE CV, ELGIN, IL 60123-8577
Document Number	0000014842
Instrument Date	Apr 9, 2019
Instrument	14842
Transaction Type	Transfer
Record Updated	Apr 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1111 COTTAGE CV ELGIN IL 601238577, ELGIN, IL 60123-8577

Mortgage

Document Number	14843
Date	Apr 17, 2019
Instrument	14843

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2049

Interest

Rate Type	Fixed Rate
Rate	4.75%

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	$11,265.00 (+15.88%) Homeowner's exemption	$155,671 (+8.57%) Land $34,886 Building $120,785	$467,200 (+8.57%) Land $104,700 Building $362,500
2024		$143,383 (+21.39%) Land $32,132 Building $111,251	$430,321 (+21.44%) Land $96,435 Building $333,887
2022	$9,721.00 (+4.35%) Homeowner's exemption	$118,114 (+6.96%) Land $26,469 Building $91,645	$354,342 (+6.96%) Land $79,407 Building $274,935
2021	$9,316.00 Homeowner's exemption	$110,429 Land $24,747 Building $85,682	$331,287 Land $74,241 Building $257,046

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 97% of the US · lower than 79% 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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