Cook County property record for 1123 Coldspring Rd, Elgin, IL 60120
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,565 sqft · built 1990 |
| Lot Size | 0.142 acres (6,169 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Dec 2023) |
| Tax Bill | $6,476 (2023) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-07-406-014 |
| Primary APN | 06-07-406-014 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 1,565 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Modern |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 6,169 sqft (0.142 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 1123 COLDSPRING RD |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5128 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | COBBLERS CROSSING UNIT 5 LOT 37 |
| Legal Range | 9E |
| Legal Township | 41N |
| Legal Section | 07 |
| Legal Subdivision | COBBLERS CROSSING UNIT 03 |
| Legal Lot Number | 37 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 804403 |
Source: Cook County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1123 COLDSPRING RD, ELGIN, IL 60120-5128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2023 | Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Dec 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2023 · Amount on Record |
| Deed Sale | Dec 13, 2023 · Amount on Record |
| Prior Sale | Jul 29, 2005 · Amount on Record |
| Deed Document Number | 202313359 |
| Prior Transfer Date | Dec 6, 2023 |
| Prior Transfer Doc | 0000013357 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Dec 13, 2023 |
| Property Address | 1123 COLDSPRING RD, ELGIN, IL 60120-5128 |
| Document Number | 0034713359 |
| Map Reference | DOC 89328812 |
| Instrument Date | Nov 7, 2023 |
| Instrument | 2334713359 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2023 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1123 COLDSPRING RD, ELGIN, IL 60120-5128 |
| Document Number | 0034713360 |
|---|---|
| Date | Dec 13, 2023 |
| Instrument | 2334713360 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.49% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1123 COLDSPRING RD, ELGIN, IL 60120-5128 |
| Document Number | 2000208037 |
| Instrument Date | Dec 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1123 COLDSPRING RD ELGIN IL 601205128, ELGIN, IL 60120-5128 |
| Document Number | 2000208037 |
|---|---|
| Date | Jan 2, 2020 |
| Instrument | 208037 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2040 |
| Rate | 5.12% |
|---|
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $27,000 (+20.02%) Land $6,786 Building $20,214 | $270,000 (+20.02%) Land $67,860 Building $202,140 | |
| 2023 | $6,476.00 (+2.91%) | ||
| 2022 | $6,293.00 (+19.43%) | $22,497 (+47.13%) Land $3,497 Building $19,000 | $224,970 (+47.13%) Land $34,970 Building $190,000 |
| 2021 | $5,269.00 | $15,291 Land $2,776 Building $12,515 | $152,910 Land $27,760 Building $125,150 |
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.
Source: FEMA National Flood Hazard Layer, effective February 11, 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.
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 416 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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