1185 Algonquin Dr, Elgin, IL 60120 Property Records

Cook County property record for 1185 Algonquin Dr, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,022 sqft · built 1962
Lot Size	0.157 acres (6,825 sqft)
Owner	Individual Name on Record
Last Sale	$237,000 (Dec 2021)
Tax Bill	$6,044 (2023)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2025 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`06-06-123-022`

Property Details

APN / Parcel Number

Primary APN	`06-06-123-022`
Alternative APN	`06-06-123-022-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,022 sqft Living Area
1st Floor Area	1,022 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1963
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,825 sqft (0.157 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1185 ALGONQUIN DR
City	ELGIN
State	IL
Zip	60120-2493
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(THIRD) ADD TO (BLACKHAWK)(MANOR) SUB PT OF SECS 6 & 7 SEC 07-41-09
Legal Range	09E
Legal Township	41N
Legal Section	07
Legal Subdivision	THIRD ADD TO BLACKHAWK MANOR
Legal Lot Number	284,2
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1026
Census Tract	804313

Owner

Source: Cook County records, as of September 10, 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	Individual Name on Record
Mailing Address	856 S PROSPECT AVE, BARTLETT, IL 60103-5035
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICE LINK LP, SERVICE LINK
Sep 23, 2025	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Apr 4, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jun 23, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Dec 28, 2021	Warranty Deed, Transfer · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Mar 31, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 5, 2020	Deed of Trust, Mortgage · VA Mortgage FEDERAL SVGS BK
Aug 8, 2019	Deed of Trust, Mortgage FEDERAL SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2021 · Amount on Record
Deed Sale	Dec 28, 2021 · Amount on Record
Prior Sale	Oct 27, 2016 · Amount on Record
Deed Document Number	202118146
Prior Transfer Date	Jan 13, 2014
Prior Transfer Doc	0000019009
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Sep 3, 2026
Property Address	1185 ALGONQUIN DR, ELGIN, IL 60120-2493
Document Number	0000024161
Instrument Date	Aug 1, 2026
Instrument	202624161
Transaction Type	Mortgage
Record Updated	Sep 10, 2026
Title Company	SERVICE LINK LP, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1185 ALGONQUIN DR, ELGIN, IL 60120-2493

Mortgage

Document Number	0000024161,
Date	Sep 3, 2026
Instrument	202624161

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	304 Months
Due	Jan 1, 2052

Interest

Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1185 ALGONQUIN DR, ELGIN, IL 60120-2493
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1185 ALGONQUIN DR, HOFFMAN EST, IL 60120-2493

Mortgage

Document Number	0026623039
Date	Sep 23, 2025
Instrument	2526623039

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Jan 1, 2052

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1185 ALGONQUIN DR, ELGIN, IL 60120-2493
Transaction Type	Mortgage
Record Updated	Apr 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1185 ALGONQUIN DR, ELGIN, IL 60120-2493

Mortgage

Document Number	0009530011
Date	Apr 4, 2024
Instrument	2409530011

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Jan 1, 2052

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1185 ALGONQUIN DR, ELGIN, IL 60120-2493
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1185 ALGONQUIN DR, ELGIN, IL 60120-2493

Mortgage

Document Number	0017406076
Date	Jun 23, 2023
Instrument	2317406076

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Jan 1, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Dec 28, 2021
Property Address	1185 ALGONQUIN DR, ELGIN, IL 60120-2493
Document Number	0036218146
Map Reference	DOC LR-1776797
Instrument Date	Dec 17, 2021
Instrument	2136218146
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$237.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1185 ALGONQUIN DR, ELGIN, IL 60120-2493

Mortgage

Document Number	0036218147
Date	Dec 28, 2021
Instrument	2136218147

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.12%

Mortgage

Document Number	0036218148
Date	Dec 28, 2021
Instrument	2136218148

Lender

Name	ILLINOIS DEVELOPMENT FINANCIAL AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1185 ALGONQUIN DR, ELGIN, IL 60120-2493
Transaction Type	Mortgage
Record Updated	Apr 8, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009020011
Date	Mar 31, 2021
Instrument	2109020011

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate	2.25%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1185 ALGONQUIN DR, ELGIN, IL 60120-2493
Document Number	2016344095
Instrument Date	May 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	GREATER ILLINOIS TITLE COMPANY, GIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1185 ALGONQUIN DR ELGIN IL 601202493, ELGIN, IL 60120-2493

Mortgage

Document Number	2016344095
Date	Jun 11, 2020
Instrument	16344095

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1185 ALGONQUIN DR, ELGIN, IL 60120-2493
Document Number	1923215050
Instrument Date	Aug 8, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	GREATER ILLINOIS TITLE COMPANY, GIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1185 ALGONQUIN DR #DIR ELGIN IL 601202493, ELGIN, IL 60120-2493

Mortgage

Document Number	1923215050
Date	Aug 20, 2019
Instrument	23215050

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2049

Interest

Rate	3.76%

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		$26,001 (+23.82%) Land $4,778 Building $21,223	$260,010 (+23.82%) Land $47,780 Building $212,230
2023	$6,044.00 (+2.89%)
2022	$5,874.00 Homeowner's exemption	$20,999 Land $4,436 Building $16,563	$209,990 Land $44,360 Building $165,630

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 398 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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