1111 Spinnaker St, Elgin, IL 60123 Property Records

Kane County property record for 1111 Spinnaker St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,430 sqft · built 2000
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Jun 2019)
Tax Bill	$11,191 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage Aug 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-453-003`

Property Details

APN / Parcel Number

Primary APN	`06-28-453-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,430 sqft Living Area
Gross Area	3,645 sqft
Basement Area	1,215 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
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
Water Source	Commercial

Location & Zoning

Street Address	1111 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 874
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	874
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1111 SPINNAKER ST, ELGIN, IL 60123-8582
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP
Aug 15, 2018	Grant Deed, Transfer ATTORNEY ONLY
Jan 8, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2019 · Amount on Record
Deed Sale	Jun 3, 2019 · Amount on Record
Prior Sale	Aug 15, 2018 · Amount on Record
Deed Document Number	201922443
Record Updated	Oct 29, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 3, 2019
Property Address	1111 SPINNAKER ST, ELGIN, IL 60123-8582
Document Number	0000022443
Map Reference	DOC 96K046770
Instrument Date	May 1, 2019
Instrument	2019K022443
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1111 SPINNAKER ST, ELGIN, IL 60123-8582

Mortgage

Document Number	0000022444
Date	Jun 3, 2019
Instrument	2019K022444

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Aug 15, 2018
Property Address	1111 SPINNAKER ST, ELGIN, IL 60123-8582
Document Number	0000039861
Instrument Date	Jun 18, 2018
Instrument	39861
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$336.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1433 AMBLESIDE CIR NAPERVILLE IL 605400317, NAPERVILLE, IL 60540-0317

January 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Jan 8, 2018
Property Address	1111 SPINNAKER ST, ELGIN, IL 60123-8582
Document Number	0000001119
Instrument Date	Dec 26, 2017
Instrument	1119
Transaction Type	Foreclosure
Record Updated	Jan 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 24737 WEST PALM BEACH FL 334164737, WEST PALM BEACH, FL 33416-4737

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	$11,191.00 (+15.88%) Homeowner's exemption	$154,694 (+8.57%) Land $30,744 Building $123,950	$464,268 (+8.57%) Land $92,269 Building $371,999
2024		$142,483 (+21.39%) Land $28,317 Building $114,166	$427,620 (+21.44%) Land $84,985 Building $342,635
2022	$9,657.00 (+4.35%) Homeowner's exemption	$117,372 (+6.96%) Land $23,326 Building $94,046	$352,116 (+6.96%) Land $69,978 Building $282,138
2021	$9,254.00 Homeowner's exemption	$109,734 Land $21,808 Building $87,926	$329,202 Land $65,424 Building $263,778

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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