1156 Delta Ct, Elgin, IL 60123 Property Records

Kane County property record for 1156 Delta Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,580 sqft · built 1998
Owner	2 Individual Names on File
Last Sale	$235,000 (May 2023)
Tax Bill	$6,198 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-068`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-068`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,580 sqft Living Area
1st Floor Area	1,580 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Condo/Apartment
Construction Type	Frame
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1156 DELTA CT
City	ELGIN
State	IL
Zip	60123-6583
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDOMINIUMS (BUILDING 27) UNIT 274B
Legal Subdivision	WILLOW BAY CLUB CONDOS
Legal Block	5
Legal Unit	274B
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5002
Census Tract	851907

Owner

1156 Delta Ct is owned and occupied by two individuals who bought it in May 2023.

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1156 DELTA CT, ELGIN, IL 60123-6583
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 17, 2017	Warranty Deed, Transfer · Conventional with PMI STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2023 · Amount on File
Deed Sale	May 1, 2023 · Amount on File
Prior Sale	May 17, 2017 · Amount on File
Deed Document Number	202313660
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 1, 2023
Property Address	1156 DELTA CT, ELGIN, IL 60123-6583
Document Number	0000013660
Map Reference	DOC 98K020168
Instrument Date	Apr 13, 2023
Instrument	2023K013660
Transaction Type	Transfer
Record Updated	May 11, 2023
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1156 DELTA CT, ELGIN, IL 60123-6583

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1156 DELTA CT, ELGIN, IL 60123-6583

Mortgage

Document Number	0000013661
Date	May 1, 2023
Instrument	2023K013661

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.5%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 17, 2017
Property Address	1156 DELTA CT, ELGIN, IL 60123-6583
Document Number	0000025089
Instrument Date	Apr 12, 2017
Instrument	25089
Transaction Type	Transfer
Record Updated	Jun 1, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1156 DELTA DR ELGIN IL 60123, ELGIN, IL 60123

Mortgage

Document Number	25090
Date	May 17, 2017
Instrument	25090

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 16, 2047

Interest

Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 1156 Delta Ct was $6,198 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin 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	$6,198.00	$89,249 (+8.57%) Land $17,968 Building $71,281	$267,854 (+8.57%) Land $53,926 Building $213,929
2024		$82,204 Land $16,550 Building $65,654	$246,711 Land $49,670 Building $197,041
2022	$5,351.00 (+4.65%) Homeowner's exemption	$67,717 (+6.96%) Land $13,634 Building $54,083	$203,151 (+6.96%) Land $40,902 Building $162,249
2021	$5,113.00 Homeowner's exemption	$63,311 Land $12,747 Building $50,564	$189,933 Land $38,241 Building $151,692

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

FEMA maps place 1156 Delta Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1156 Delta Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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 231 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
Starlink Satellite	280 / 30
Fox Valley Internet Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

Nearby Properties on Delta Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures