1213 Ridgeway Dr, Elgin, IL 60123 Property Records

Kane County property record for 1213 Ridgeway Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,745 sqft · built 1969
Lot Size	0.246 acres (10,727 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Mar 2017)
Tax Bill	$7,566 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jan 2018 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-03-427-006`

Property Details

APN / Parcel Number

Primary APN	`06-03-427-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,745 sqft Living Area
Gross Area	2,801 sqft
1st Floor Area	1,745 sqft
Basement Area	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Brick
Lot Area	10,727 sqft (0.246 acres)
Lot Width	121 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1213 RIDGEWAY DR
City	ELGIN
State	IL
Zip	60123-1449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS 7TH ADDN LOT 85
Legal Subdivision	CENTURY OAKS 7TH ADDN
Legal Block	1
Legal Lot Number	85
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1009
Census Tract	851000

Owner

Source: Kane County records, as of July 21, 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	1213 RIDGEWAY DR, ELGIN, IL 60123-1449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 2, 2018	Quit Claim Deed, Transfer CITYWIDE TITLE CORPORATION
Nov 1, 2017	Quit Claim Deed, Transfer CITYWIDE TITLE CORPORATION
Sep 25, 2017	Deed of Trust, Mortgage · FHA Mortgage STEARNS LNDG
Mar 30, 2017	Grant Deed, Foreclosure · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2017 · Amount on Record
Deed Sale	Mar 30, 2017 · Amount on Record
Deed Document Number	201715959
Last Transfer Date	Sep 29, 2017
Transfer Doc	0000000178
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1213 RIDGEWAY DR, ELGIN, IL 60123-1449
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1213 RIDGEWAY DR, ELGIN, IL 60123-1449

Mortgage

Document Number	0000041689
Date	Aug 17, 2022
Instrument	2022K041689

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	302 Months
Due	Oct 1, 2047

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jan 2, 2018
Property Address	1213 RIDGEWAY DR, ELGIN, IL 60123-1449
Document Number	0000000178
Instrument Date	Sep 27, 2017
Instrument	178
Transaction Type	Transfer
Record Updated	Jan 11, 2018
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1213 RIDGEWAY DR ELGIN IL 601231449, ELGIN, IL 60123-1449

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 1, 2017
Property Address	1213 RIDGEWAY DR, ELGIN, IL 60123-1449
Document Number	0000057438
Instrument Date	Sep 27, 2017
Instrument	57438
Transaction Type	Transfer
Record Updated	Nov 28, 2017
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1213 RIDGEWAY DR ELGIN IL 601231449, ELGIN, IL 60123-1449

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1213 RIDGEWAY DR, ELGIN, IL 60123-1449
Document Number	0000053759
Instrument Date	Sep 25, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2017
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1213 RIDGEWAY DR ELGIN IL 601231449, ELGIN, IL 60123-1449

Mortgage

Document Number	0000053759
Date	Oct 12, 2017
Instrument	53759

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 11, 2047

Interest

Rate	3.87%

March 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Mar 30, 2017
Property Address	1213 RIDGEWAY DR, ELGIN, IL 60123-1449
Document Number	0000015959
Instrument Date	Feb 24, 2017
Instrument	15959
Transaction Type	Foreclosure
Record Updated	May 3, 2017
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1320 CAMBIA DR SCHAUMBURG IL 601934680, SCHAUMBURG, IL 60193-4680

Mortgage

Document Number	15960
Date	Mar 30, 2017
Instrument	15960

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2047

Interest

Rate	4.75%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$7,566.00 (+15.85%) Homeowner's exemption
2024		$98,725 (+21.39%) Land $24,998 Building $73,727	$296,294 (+21.44%) Land $75,024 Building $221,270
2022	$6,531.00 (+4.53%) Homeowner's exemption	$81,327 (+6.96%) Land $20,593 Building $60,734	$243,981 (+6.96%) Land $61,779 Building $182,202
2021	$6,248.00 Homeowner's exemption	$76,035 Land $19,253 Building $56,782	$228,105 Land $57,759 Building $170,346

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

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 264 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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