Cook County property record for 1144 Coldspring Rd, Elgin, IL 60120
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2 ba · 1,504 sqft · built 1990 |
| Lot Size | 0.069 acres (2,994 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (May 2016) |
| Tax Bill | $5,378 (2023) |
| Deeds & Mortgages | Aug 2026 Line of Credit Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-07-405-058 |
| Primary APN | 06-07-405-058 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,504 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 |
| Roof Material | Asphalt |
| Lot Area | 2,994 sqft (0.069 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1144 COLDSPRING RD |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5102 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | S2 S07 T41N R09E 3P |
| Legal Range | 9E |
| Legal Township | 41N |
| Legal Section | 07 |
| Legal Subdivision | COBBLERS CROSSING UNIT 03 |
| Legal Lot Number | 25 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 804403 |
1144 Coldspring Rd, a townhouse, is owned and occupied by an individual who bought it in May 2016.
Source: Cook County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1144 COLDSPRING RD, ELGIN, IL 60120-5102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 10, 2026 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK |
| Dec 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2016 · Amount on File |
| Deed Sale | May 2, 2016 · Amount on File |
| Prior Sale | May 3, 1994 · Amount on File |
| Deed Document Number | 201646083 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Aug 10, 2026 |
| Property Address | 1144 COLDSPRING RD, ELGIN, IL 60120-5102 |
| Document Number | 0000025106 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 202625106 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1144 COLDSPRING RD, ELGIN, IL 60120-5102 |
| Document Number | 0000025106, |
|---|---|
| Date | Aug 10, 2026 |
| Instrument | 202625106 |
| Name | BMO HARRIS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 5, 2056 |
| Rate | 7.04% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1144 COLDSPRING RD, ELGIN, IL 60120-5102 |
| Document Number | 2000355027 |
| Instrument Date | Dec 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1144 COLDSPRING RD ELGIN IL 601205102, ELGIN, IL 60120-5102 |
| Document Number | 2000355027 |
|---|---|
| Date | Jan 3, 2020 |
| Instrument | 355027 |
| Name | BMO HARRIS BK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 2, 2035 |
| Rate | 5.69% |
|---|
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 | $26,000 Land $3,293 Building $22,707 | $260,000 Land $32,930 Building $227,070 | |
| 2023 | $5,378.00 (+3.48%) | ||
| 2022 | $5,197.00 Homeowner's exemption | $21,999 Land $3,499 Building $18,500 | $219,990 Land $34,990 Building $185,000 |
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.
FEMA maps place 1144 Coldspring Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 1144 Coldspring Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% 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.
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 400 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 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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