1154 Concord Dr, Elgin, IL 60120 Property Records

Cook County property record for 1154 Concord Dr, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,895 sqft · built 1988
Lot Size	0.15 acres (6,545 sqft)
Owner	Individual Name on Record
Last Sale	$233,500 (Sep 2019)
Tax Bill	$7,484 (2023)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-19-408-019`

Property Details

APN / Parcel Number

Primary APN	`06-19-408-019`
Alternative APN	`06-19-408-019-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,895 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1989
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	6,545 sqft (0.15 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1154 CONCORD DR
City	ELGIN
State	IL
Zip	60120-7609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(SUMMERHILL) (UNIT4) A SUB OF PT OF SEC 19-41-09
Legal Range	09E
Legal Township	41N
Legal Section	19
Legal Subdivision	SUMMERHILL UNIT4
Legal Lot Number	358
Legal Unit	4
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2006
Census Tract	804406

Owner

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	1154 CONCORD DR, ELGIN, IL 60120-7609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Sep 17, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2019 · Amount on Record
Deed Sale	Sep 17, 2019 · Amount on Record
Prior Sale	Jan 14, 2003 · Amount on Record
Deed Document Number	20198212
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1154 CONCORD DR, ELGIN, IL 60120-7609
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019703277
Date	Jul 16, 2021
Instrument	2119703277

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.37%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Sep 17, 2019
Property Address	1154 CONCORD DR, ELGIN, IL 60120-7609
Document Number	1926008212
Instrument Date	Aug 30, 2019
Instrument	26008212
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	USI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$233.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1154 CONCORD DR ELGIN IL 601207609, ELGIN, IL 60120-7609

Mortgage

Document Number	1926008213
Date	Sep 17, 2019
Instrument	26008213

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2049

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover 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		$33,001 (+26.93%) Land $4,582 Building $28,419	$330,010 (+26.93%) Land $45,820 Building $284,190
2023	$7,484.00 (+2.92%)
2022	$7,272.00	$25,999 Land $4,254 Building $21,745	$259,990 Land $42,540 Building $217,450

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 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

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 312 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
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: Fox Valley Internet.

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