1182 Delta Dr, Elgin, IL 60123 Property Records

Kane County property record for 1182 Delta Dr, 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 Record
Last Sale	$244,000 (Nov 2022)
Tax Bill	$6,191 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jan 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-088`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-088`

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

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	1182 DELTA DR
City	ELGIN
State	IL
Zip	60123-6582
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDOMINIUMS (BLDG 10) UNIT 105B
Legal Subdivision	WILLOW BAY CLUB CONDOS
Legal Block	5
Legal Unit	105B
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5000
Census Tract	851907

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1182 DELTA DR, ELGIN, IL 60123-6582
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2022	Warranty Deed, Transfer · Conventional Mortgage NUMARK CU
Jan 3, 2018	Warranty Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2022 · Amount on Record
Deed Sale	Nov 9, 2022 · Amount on Record
Prior Sale	Jan 3, 2018 · Amount on Record
Deed Document Number	202254355
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 9, 2022
Property Address	1182 DELTA DR, ELGIN, IL 60123-6582
Document Number	0000054355
Map Reference	DOC 98K020168
Instrument Date	Oct 31, 2022
Instrument	2022K054355
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	SATURN TITLE LLC, SATURE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$244.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1182 DELTA DR, ELGIN, IL 60123-6582

Mortgage

Document Number	0000054356
Date	Nov 9, 2022
Instrument	2022K054356

Lender

Name	NUMARK CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.25%

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 3, 2018
Property Address	1182 DELTA DR, ELGIN, IL 60123-6582
Document Number	0000000489
Instrument Date	Dec 18, 2017
Instrument	489
Transaction Type	Transfer
Record Updated	Jan 16, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3022 W RAPALO RD PHOENIX AZ 850862244, PHOENIX, AZ 85086-2244

Tax Assessment & Valuation

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	$6,191.00 (+15.83%) Homeowner's exemption	$89,154 (+8.57%) Land $17,968 Building $71,186	$267,569 (+8.57%) Land $53,926 Building $213,643
2024		$82,117 (+21.39%) Land $16,550 Building $65,567	$246,450 (+21.44%) Land $49,670 Building $196,780
2022	$5,345.00 (+4.66%) Homeowner's exemption	$67,646 (+6.96%) Land $13,634 Building $54,012	$202,938 (+6.96%) Land $40,902 Building $162,036
2021	$5,107.00 Homeowner's exemption	$63,244 Land $12,747 Building $50,497	$189,732 Land $38,241 Building $151,491

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 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

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.

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