1120 Pine Valley Ct, Elgin, IL 60124 Property Records

Kane County property record for 1120 Pine Valley Ct, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,326 sqft · built 2007
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jun 2021)
Tax Bill	$9,111 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-25-476-023`

Property Details

APN / Parcel Number

Primary APN	`05-25-476-023`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,326 sqft Living Area
Basement Area	1,029 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Frame
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1120 PINE VALLEY CT
City	ELGIN
State	IL
Zip	60124-3118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BOWES CREEK COUNTRY CLUB PHASE 1 LT 116 AS DESC IN DOC 2007K043922
Legal Subdivision	BOWES CREEK COUNTRY CLUB
Legal Phase	1
Legal Block	1
Legal Lot Number	116
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1093
Census Tract	850709

Owner

Source: Kane County records, as of July 30, 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	1120 PINE VALLEY CT, ELGIN, IL 60124-3118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Jan 5, 2024	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Jun 29, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 17, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2021 · Amount on Record
Deed Sale	Jun 29, 2021 · Amount on Record
Prior Sale	Jul 9, 2012 · Amount on Record
Deed Document Number	202149726
Prior Transfer Date	Oct 31, 2018
Prior Transfer Doc	0000002362
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jul 22, 2026
Property Address	1120 PINE VALLEY CT, ELGIN, IL 60124-3118
Document Number	0000031155
Instrument Date	May 20, 2026
Instrument	202631155
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 PINE VALLEY CT, ELGIN, IL 60124-3118

Mortgage

Document Number	0000031155,
Date	Jul 22, 2026
Instrument	202631155

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 1, 2051

Interest

Rate	6.23%
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1120 PINE VALLEY CT, ELGIN, IL 60124-3118
Transaction Type	Mortgage
Record Updated	Jan 15, 2024
Title Company	TIMIOS INC, TIMIOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 PINE VALLEY CT, ELGIN, IL 60124-3118

Mortgage

Document Number	0000000550
Date	Jan 5, 2024
Instrument	2024K000550

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Jul 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 29, 2021
Property Address	1120 PINE VALLEY CT, ELGIN, IL 60124-3118
Document Number	0000049726
Instrument Date	Jun 23, 2021
Instrument	2021K049726
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1120 PINE VALLEY CT, ELGIN, IL 60124-3118

Mortgage

Document Number	0000049727
Date	Jun 29, 2021
Instrument	2021K049727

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jan 17, 2019
Property Address	1120 PINE VALLEY CT, ELGIN, IL 60124-3118
Document Number	0000002362
Instrument Date	Oct 31, 2018
Instrument	2362
Transaction Type	Transfer
Record Updated	Jan 29, 2019
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	Living Trust
Address	1120 PINE VALLEY CT ELGIN IL 601243118, ELGIN, IL 60124-3118

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Plato 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	$9,111.00 (+19%) Homeowner's exemption	$125,753 (+7.79%) Land $19,860 Building $105,893	$377,410 (+7.79%) Land $59,604 Building $317,806
2024		$116,665 (+26.57%) Land $18,425 Building $98,240	$350,135 (+26.62%) Land $55,297 Building $294,838
2022	$7,656.00 (+4.16%) Homeowner's exemption	$92,174 (+6.91%) Land $16,018 Building $76,156	$276,522 (+6.91%) Land $48,054 Building $228,468
2021	$7,350.00 Homeowner's exemption	$86,219 Land $15,475 Building $70,744	$258,657 Land $46,425 Building $212,232

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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.

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 137 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
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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