Kane County property record for 1144 Spinnaker St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,481 sqft · built 1998 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Jun 2004) |
| Tax Bill | $10,608 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-28-376-006 |
| Primary APN | 06-28-376-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,481 sqft Living Area |
| Gross Area | 3,852 sqft |
| Basement Area | 1,371 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Cooling System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1144 SPINNAKER ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-8590 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEARTLAND MEADOWS UNIT 10 (WILLOW BAY) LOT 868 |
| Legal Subdivision | HEARTLAND MEADOWS |
| Legal Block | 3 |
| Legal Lot Number | 868 |
| Legal Unit | 10 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 851907 |
1144 Spinnaker St is owned and occupied by two individuals who bought it in June 2004.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1144 SPINNAKER ST, ELGIN, IL 60123-8590 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2004 · Amount on File |
| Deed Sale | Jun 10, 2004 · Amount on File |
| Prior Sale | Feb 2, 1999 · Amount on File |
| Deed Document Number | 200476459 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1144 Spinnaker St was $10,608 with a homeowner's exemption.
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 | $10,608.00 Homeowner's exemption | $147,053 (+8.57%) Land $30,744 Building $116,309 | $441,336 (+8.57%) Land $92,269 Building $349,067 |
| 2024 | $135,445 Land $28,317 Building $107,128 | $406,498 Land $84,985 Building $321,513 | |
| 2022 | $9,154.00 (+4.37%) Homeowner's exemption | $111,574 (+6.96%) Land $23,326 Building $88,248 | $334,722 (+6.96%) Land $69,978 Building $264,744 |
| 2021 | $8,771.00 Homeowner's exemption | $104,314 Land $21,808 Building $82,506 | $312,942 Land $65,424 Building $247,518 |
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 Spinnaker St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 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 Spinnaker St 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 97% of the US · lower than 79% 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 360 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 |
May also be available: AT&T, Metronet.
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