Cook County property record for 1129 Coldspring Rd, Elgin, IL 60120
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,662 sqft · built 1990 |
| Lot Size | 0.151 acres (6,565 sqft) |
| Owner | Company Name on Record |
| Last Sale | $163,000 (Aug 2016) |
| Tax Bill | $5,666 (2023) |
| Deeds & Mortgages | Oct 2025 Line of Credit Mar 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-07-406-011 |
| Primary APN | 06-07-406-011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,662 sqft Living Area |
| 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 | 6,565 sqft (0.151 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 1129 COLDSPRING RD |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5128 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Range | 9E |
| Legal Township | 41N |
| Legal Section | 07 |
| Legal Subdivision | COBBLERS XING UN 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 | Company Name on Record |
|---|---|
| Mailing Address | 1129 COLDSPRING RD, ELGIN, IL 60120-5128 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Oct 8, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Mar 17, 2023 | Intrafamily Transfer, Transfer ATTORNEY |
| Oct 20, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIRST AMERICAN BANK |
| May 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PORTFOLIO MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2016 · Amount on Record |
| Deed Sale | Aug 15, 2016 · Amount on Record |
| Prior Sale | Nov 6, 2012 · Amount on Record |
| Deed Document Number | 201645081 |
| Last Transfer Date | Feb 16, 2023 |
| Transfer Doc | 0000013191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1129 COLDSPRING RD, ELGIN, IL 60120-5128 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0028130078 |
|---|---|
| Date | Oct 8, 2025 |
| Instrument | 2528130078 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Mar 17, 2023 |
| Property Address | 1129 COLDSPRING RD, ELGIN, IL 60120-5128 |
| Document Number | 0007613191 |
| Map Reference | DOC 89328812 |
| Instrument Date | Feb 16, 2023 |
| Instrument | 2307613191 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 1129 COLDSPRING RD, ELGIN, IL 60120-5128 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1129 COLDSPRING RD, ELGIN, IL 60120-5128 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029325122 |
|---|---|
| Date | Oct 20, 2021 |
| Instrument | 2129325122 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 5, 2031 |
| Rate | 4.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1129 COLDSPRING RD, ELGIN, IL 60120-5128 |
| Document Number | 2017707148 |
| Instrument Date | May 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1129 COLDSPRING RD ELGIN IL 601205128, ELGIN, IL 60120-5128 |
| Document Number | 2017707148 |
|---|---|
| Date | Jun 25, 2020 |
| Instrument | 17707148 |
| Name | AMERICAN PORTFOLIO MTG |
|---|---|
| Type | Mortgage Company |
| Address | PALATINE, IL 60074 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 24, 2045 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
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 | $29,001 (+26.1%) Land $7,222 Building $21,779 | $290,010 (+26.1%) Land $72,220 Building $217,790 | |
| 2023 | $5,666.00 (+3.47%) | ||
| 2022 | $5,476.00 | $22,999 Land $3,499 Building $19,500 | $229,990 Land $34,990 Building $195,000 |
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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