1208 Ridgeway Dr, Elgin, IL 60123 Property Records

Kane County property record for 1208 Ridgeway Dr, Elgin, IL 60123 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1971
Square Footage	1,377 sqft Living Area
Lot Size	10,439 sqft (0.24 acres)
Occupancy	Owner Occupied
Last Sale	$265,000 (2022)
Tax Bill	$6,609.00 (2025)

Owner

Source: Kane County records · APN 06-03-404-018

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	1208 RIDGEWAY DR, ELGIN, IL 60123-1449
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 21, 2022 · Amount on Record
Deed Sale	Dec 21, 2022 · Amount on Record
Deed Doc Number	202259646
Prior Transfer Date	May 12, 2000
Prior Transfer Doc	0000045309
Record Refreshed	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 21, 2022
Property Address	1208 RIDGEWAY DR, ELGIN, IL 60123-1449
Document Number	0000059646
Instrument Date	Dec 15, 2022
Instrument	2022K059646
Transaction Type	Transfer
Record Updated	Dec 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	1208 RIDGEWAY DR, ELGIN, IL 60123-1449

Mortgage

Document Number	0000059647
Date	Dec 21, 2022
Instrument	2022K059647

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

Interest

Rate Type	Fixed Rate
Rate	6.37%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,609.00 (+25.36%) Homeowner's exemption
2024		$87,160 (+21.39%) Land $24,998 Building $62,162	$261,585 (+21.44%) Land $75,024 Building $186,561
2022	$5,272.00 (+5.29%) Homeowner's exemption	$71,800 (+6.96%) Land $20,593 Building $51,207	$215,400 (+6.96%) Land $61,779 Building $153,621
2021	$5,007.00 Homeowner's exemption	$67,128 Land $19,253 Building $47,875	$201,384 Land $57,759 Building $143,625

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Property Details

APN / Parcel Number

Primary APN	`06-03-404-018`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	6 Rooms
Building Area	1,377 sqft Living Area
Gross Area	2,754 sqft Gross Area
1st Floor	1,377 sqft 1st Floor
Basement Area	1,377 sqft Basement
Stories	1 Stories

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Frame Construction
Lot Area	10,439 sqft (0.24 acres)
Depth X Width	143 ft x 73 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage

Utilities and HVAC

Cooling System	HVAC Cooling

Location & Zoning

Street Address	1208 RIDGEWAY DR
City	ELGIN
State	IL
Zip	60123-1449
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS 7TH ADDN LOT 98
Legal Subdivision	CENTURY OAKS 7TH ADDN
Legal Block	1
Legal Lot Number	98
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	1
Census Block	1009
Census Tract	851000