1190 Delta Dr, Elgin, IL 60123 Property Records

Kane County property record for 1190 Delta Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,170 sqft · built 1998
Owner	Individual Name on File
Last Sale	$292,500 (Jun 2026)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-084`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-084`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
Gross Area	2,340 sqft
1st Floor Area	1,170 sqft
Basement Area	1,170 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	1190 DELTA DR
City	ELGIN
State	IL
Zip	60123-6582
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDOMINIUM (BLDG 10) UNIT 101A
Legal Subdivision	WILLOW BAY CLUB CONDO
Legal Block	5
Legal Unit	101A
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5000
Census Tract	851907

Owner

1190 Delta Dr is owned by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	1190 DELTA DR, 101A, ELGIN, IL 60123-6582
Owner Type	Individual
Vesting	Tenants 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

Date	Document
Apr 28, 2022	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC
Oct 4, 2024	Deed of Trust, Mortgage · VA Mortgage MORTGAGE ONE FUNDING LLC
Jun 10, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
Aug 19, 2021	Warranty Deed, Transfer · VA Mortgage MID-CONTINENT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2026 · Amount on File
Deed Sale	Jun 10, 2026 · Amount on File
Prior Sale	Aug 19, 2021 · Amount on File
Deed Document Number	202624050
Prior Transfer Date	Feb 26, 2007
Prior Transfer Doc	0000039566
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1190 DELTA DR, ELGIN, IL 60123-6582
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023051
Date	Apr 28, 2022
Instrument	2022K023051

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1190 DELTA DR, ELGIN, IL 60123-6582
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1190 DELTA DR, ELGIN, IL 60123-6582

Mortgage

Document Number	0000036144
Date	Oct 4, 2024
Instrument	2024K036144

Lender

Name	MORTGAGE ONE FUNDING LLC
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	5.74%
Change Frequency	2 Years

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 10, 2026
Property Address	1190 DELTA DR, ELGIN, IL 60123-6582
Document Number	0000024050
Instrument Date	Jun 2, 2026
Instrument	202624050
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44,313.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0000024051,
Date	Jun 10, 2026
Instrument	202624051

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 19, 2021
Property Address	1190 DELTA DR, ELGIN, IL 60123-6582
Document Number	0000063581
Map Reference	DOC 98K020168
Instrument Date	Jul 7, 2021
Instrument	2021K063581
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1190 DELTA DR # 101A, 101A, ELGIN, IL 60123-6582

Mortgage

Document Number	0000063582
Date	Aug 19, 2021
Instrument	2021K063582

Lender

Name	MID-CONTINENT FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

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	Homeowner's exemption Veteran's exemption	$74,253 (+8.57%) Land $17,724 Building $56,529	$222,848 (+8.57%) Land $53,193 Building $169,655
2024		$68,392 Land $16,325 Building $52,067	$205,258 Land $48,995 Building $156,264
2022	Disabled Person's exemption Veteran's exemption	$56,339 Land $13,448 Building $42,891	$169,017 Land $40,344 Building $128,673

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 1190 Delta Dr 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 1190 Delta Dr 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.

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