1111 Reserve Dr, Elgin, IL 60124 Property Records

Kane County property record for 1111 Reserve Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,626 sqft · built 2004
Lot Size	0.28 acres (1,218 sqft)
Owner	2 Individual Names on Record
Last Sale	$186,500 (Jan 2019)
Tax Bill	$6,053 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-29-477-022`

Property Details

APN / Parcel Number

Primary APN	`06-29-477-022`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 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 Area	1,218 sqft (0.28 acres)
Lot Dimensions	58 ft deep x 21 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1111 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 7 AS DESC IN DOC 2005K006197 01/14/2005
Legal Subdivision	THE RESERVE
Legal Block	2
Legal Lot Number	7
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 21, 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	1111 RESERVE DR, ELGIN, IL 60124-8824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERITRUST MORTGAGE CORP
Jan 4, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERITRUST MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2019 · Amount on Record
Deed Sale	Jan 4, 2019 · Amount on Record
Prior Sale	Jan 14, 2005 · Amount on Record
Deed Document Number	2019565
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1111 RESERVE DR, ELGIN, IL 60124-8824
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044935
Date	Aug 12, 2020
Instrument	2020K044935

Lender

Name	AMERITRUST MORTGAGE CORP
Type	Mortgage Company
Address	CRYSTAL LAKE, IL 60014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 4, 2019
Property Address	1111 RESERVE DR, ELGIN, IL 60124-8824
Document Number	0000000565
Map Reference	DOC 2004K044951
Instrument Date	Dec 11, 2018
Instrument	2019K000565
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$186.50
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	Tenants by the Entirety
Address	1111 RESERVE DR, ELGIN, IL 60124-8824

Mortgage

Document Number	0000000566
Date	Jan 4, 2019
Instrument	2019K000566

Lender

Name	AMERITRUST MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate
Rate	5.75%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$6,053.00 (+15.82%) Homeowner's exemption
2024		$80,457 (+21.4%) Land $19,287 Building $61,170	$241,468 (+21.44%) Land $57,884 Building $183,583
2022	$5,226.00 (+4.69%) Homeowner's exemption	$66,277 (+6.96%) Land $15,888 Building $50,389	$198,831 (+6.96%) Land $47,664 Building $151,167
2021	$4,992.00 Homeowner's exemption	$61,964 Land $14,854 Building $47,110	$185,892 Land $44,562 Building $141,330

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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