Kane County property record for 1120 Delta Dr, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,524 sqft · built 1998 |
| Owner | Individual Name on Record |
| Last Sale | $119,000 (Mar 2015) |
| Tax Bill | $5,964 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-28-331-041 |
| Primary APN | 06-28-331-041 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,524 sqft Living Area |
| Gross Area | 2,133 sqft |
| Basement Area | 609 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Water Source | Commercial |
| Street Address | 1120 DELTA DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-6582 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WILLOW BAY CLUB CONDOMINIUMS (BUILDING 7) UNIT 74E |
| Legal Subdivision | WILLOW BAY CLUB CONDOS |
| Legal Block | 5 |
| Legal Unit | 74E |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 851907 |
Source: Kane County records, as of July 23, 2026
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| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1120 DELTA DR, ELGIN, IL 60123-6582 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 6, 2015 · Amount on Record |
| Deed Sale | Mar 6, 2015 · Amount on Record |
| Prior Sale | Jun 15, 2005 · Amount on Record |
| Deed Document Number | 201510940 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1120 DELTA DR, ELGIN, IL 60123-6582 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2021 |
| Title Company | PRECISION TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000007883 |
|---|---|
| Date | Jan 29, 2021 |
| Instrument | 2021K007883 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,964.00 (+15.83%) Homeowner's exemption | $86,183 (+8.57%) Land $17,968 Building $68,215 | $258,652 (+8.57%) Land $53,926 Building $204,727 |
| 2024 | $79,380 (+21.39%) Land $16,550 Building $62,830 | $238,235 (+21.44%) Land $49,670 Building $188,565 | |
| 2022 | $5,149.00 (+4.68%) Homeowner's exemption | $65,391 (+6.96%) Land $13,634 Building $51,757 | $196,173 (+6.96%) Land $40,902 Building $155,271 |
| 2021 | $4,919.00 Homeowner's exemption | $61,136 Land $12,747 Building $48,389 | $183,408 Land $38,241 Building $145,167 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 231 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 |
| Starlink Satellite | 280 / 30 |
| Fox Valley Internet Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: Verizon.
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