1195 Cobblers Xing, Elgin, IL 60120 Property Records

Cook County property record for 1195 Cobblers Xing, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1991
Lot Size	0.174 acres (7,587 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Aug 2018)
Tax Bill	$6,000 (2023)
Deeds & Mortgages	Sep 2020 Line of Credit Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-07-217-005`

Property Details

APN / Parcel Number

Primary APN	`06-07-217-005`
Alternative APN	`06-07-217-005-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1992
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,587 sqft (0.174 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1195 COBBLERS XING
City	ELGIN
State	IL
Zip	60120-5011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART SEC07
Legal Range	9E
Legal Township	41N
Legal Section	07
Legal Subdivision	COBBLERS CROSSINGS UNIT 08
Legal Lot Number	279
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1021
Census Tract	804313

Owner

1195 Cobblers Xing is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1195 COBBLERS XING, ELGIN, IL 60120-5011
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 9, 2020	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BK NA
Feb 15, 2020	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BK NA
Aug 23, 2018	Warranty Deed, Transfer FIRST CENTENNIAL MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2018 · Amount on File
Deed Sale	Aug 23, 2018 · Amount on File
Prior Sale	Aug 10, 2004 · Amount on File
Deed Document Number	201846091
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1195 COBBLERS XING, ELGIN, IL 60120-5011
Document Number	2029725032
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Nov 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1195 COBBLERS XING ELGIN IL 601205011, ELGIN, IL 60120-5011

Mortgage

Document Number	2029725032
Date	Oct 23, 2020
Instrument	29725032

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1195 COBBLERS XING, ELGIN, IL 60120-5011
Document Number	2005746092
Instrument Date	Feb 15, 2020
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1195 COBBLERS XING ELGIN IL 601205011, ELGIN, IL 60120-5011

Mortgage

Document Number	2005746092
Date	Feb 26, 2020
Instrument	5746092

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Aug 23, 2018
Property Address	1195 COBBLERS XING, ELGIN, IL 60120-5011
Document Number	1823546091
Instrument Date	Aug 6, 2018
Instrument	23546091
Transaction Type	Transfer
Record Updated	Sep 7, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$21.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1195 COBBLERS XING ELGIN IL 601205011, ELGIN, IL 60120-5011

Mortgage

Document Number	1823546092
Date	Aug 23, 2018
Instrument	23546092

Lender

Name	FIRST CENTENNIAL MTG CORP
Address	AURORA, IL 60506

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 22, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

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		$35,000 Land $6,070 Building $28,930	$350,000 Land $60,700 Building $289,300
2023	$6,000.00 (-9.02%)
2022	$6,595.00	$26,999 Land $5,310 Building $21,689	$269,990 Land $53,100 Building $216,890

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 1195 Cobblers Xing in Zone X, an area of minimal flood risk.

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

The area around 1195 Cobblers Xing 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 495 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 DSL	100 / 20

May also be available: T-Mobile.

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