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1176 Coldspring Rd, Elgin, IL 60120 Property Records

Cook County property record for 1176 Coldspring Rd, Elgin, IL 60120

Property Summary

Property TypeTownhouse
Details2 bd · 2 ba · 1,316 sqft · built 1993
Lot Size0.122 acres (5,312 sqft)
Owner2 Individual Names on File
Last Sale$190,000 (Jul 2020)
Tax Bill$5,090 (2023)
Deeds & MortgagesMar 2022 Transfer
Jul 2020 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN06-07-409-071

Property Details

APN / Parcel Number

Primary APN06-07-409-071
Alternative APN
  • 06-07-409-071-0000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,316 sqft Living Area
1st Floor Area1,316 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1993
Architectural StyleModern
Exterior MaterialBrick/Stone
Construction TypeFrame
Roof MaterialAsphalt
Lot Area5,312 sqft (0.122 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address1176 COLDSPRING RD
CityELGIN
StateIL
Zip60120-5102
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal Description(COBBLERS) (CROSSING) (UNIT15) BNG A SUB OF PT OF THE EH OF SEC 07-41-09
Legal Range09E
Legal Township41N
Legal Section07
Legal SubdivisionCOBBLERS CROSSING UNIT15
Legal Lot Number16
Legal Unit15
JurisdictionCOOK IL
Township / Civil DivisionHANOVER
Census Block Group4
Census Block4014
Census Tract804403

Owner

1176 Coldspring Rd, a townhouse, is owned and occupied by two individuals who acquired it in March 2022.

Source: Cook County records, as of May 27, 2026

Owner of Record2 Individual Names on File
Mailing Address1176 COLDSPRING RD, ELGIN, IL 60120-5102
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants 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.

Deeds, Mortgages & Sale History

DateDocument
Mar 28, 2022Intrafamily Transfer, Transfer
ATTORNEY
Jul 2, 2020Warranty Deed, Transfer · Conventional with PMI
GUARANTEED RATE
Dec 20, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY
Jan 2, 2019Warranty Deed, Transfer
CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 2, 2020 · Amount on File
Deed SaleJul 2, 2020 · Amount on File
Prior SaleJan 2, 2019 · Amount on File
Deed Document Number202039104
Last Transfer DateMar 2, 2022
Transfer Doc0000740102
Record UpdatedSep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCOOK IL
Recording DateMar 28, 2022
Property Address1176 COLDSPRING RD, ELGIN, IL 60120-5102
Document Number0008740102
Map ReferenceDOC 91-397763
Instrument DateMar 2, 2022
Instrument2208740102
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address1176 COLDSPRING RD, ELGIN, IL 60120-5102

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOOK IL
Recording DateJul 2, 2020
Property Address1176 COLDSPRING RD, ELGIN, IL 60120-5102
Document Number2018439104
Instrument DateMay 22, 2020
Instrument18439104
Transaction TypeTransfer
Record UpdatedJul 14, 2020
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$190.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1176 COLDSPRING RD ELGIN IL 601205102, ELGIN, IL 60120-5102

Mortgage

Document Number2018439105
DateJul 2, 2020
Instrument18439105
Lender
NameGUARANTEED RATE
AddressCHICAGO, IL 60613
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueJul 1, 2050
Interest
Rate TypeFixed Rate
Rate3.37%

December 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCOOK IL
Recording DateDec 20, 2019
Property Address1176 COLDSPRING RD, ELGIN, IL 60120-5102
Document Number1935416067
Instrument DateNov 8, 2019
Instrument35416067
Transaction TypeTransfer
Record UpdatedJan 6, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address1176 COLDSPRING RD ELGIN IL 601205102, ELGIN, IL 60120-5102

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOOK IL
Recording DateJan 2, 2019
Property Address1176 COLDSPRING RD, ELGIN, IL 60120-5102
Document Number1900246096
Instrument DateDec 14, 2018
Instrument246096
Transaction TypeTransfer
Record UpdatedJan 14, 2019
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

AmountAmount on Record
Tax$177.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1158 SHERWOOD AVE ELGIN IL 601202261, ELGIN, IL 60120-2261

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyCook County
County SubdivisionHanover Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$27,000 Land $5,843 Building $21,157$270,000 Land $58,430 Building $211,570
2023$5,090.00 (+3.52%)
2022$4,917.00$21,000 Land $3,500 Building $17,500$210,000 Land $35,000 Building $175,000

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.

Flood

FEMA maps place 1176 Coldspring Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 11, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1176 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 RiskLow
lower than 96% of the US · lower than 74% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 400 locations within half a mile, as of December 31, 2025

ProviderMax 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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