1218 Sebring Cir, Elgin, IL 60120 Property Records

Cook County property record for 1218 Sebring Cir, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,920 sqft · built 1994
Lot Size	0.245 acres (10,660 sqft)
Owner	Individual Name on File
Tax Bill	$7,681 (2023)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-18-217-035`

Property Details

APN / Parcel Number

Primary APN	`06-18-217-035`
Alternative APN	`06-18-217-035-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,920 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,660 sqft (0.245 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1218 SEBRING CIR
City	ELGIN
State	IL
Zip	60120-5211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	9E
Legal Township	41N
Legal Section	18
Legal Subdivision	COUNTRY BROOK NORTH
Legal Lot Number	135
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2004
Census Tract	804404

Owner

1218 Sebring Cir is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1218 SEBRING CIR, ELGIN, IL 60120-5211
Occupancy	Owner Occupied
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
Feb 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jan 14, 2019	Deed of Trust, Mortgage · FHA Mortgage E MTG MGMT

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1218 SEBRING CIR, ELGIN, IL 60120-5211
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004039200
Date	Feb 9, 2022
Instrument	2204039200

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.87%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1218 SEBRING CIR, ELGIN, IL 60120-5211
Document Number	1902249189
Instrument Date	Jan 14, 2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1218 SEBRING CIR ELGIN IL 601205211, ELGIN, IL 60120-5211

Mortgage

Document Number	1902249189
Date	Jan 22, 2019
Instrument	2249189

Lender

Name	E MTG MGMT
Type	Mortgage Company
Address	CHERRY HILL, NJ 08002

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 21, 2049

Interest

Rate Type	Fixed Rate
Rate	4.62%

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		$37,000 Land $7,462 Building $29,538	$370,000 Land $74,620 Building $295,380
2023	$7,681.00 (+3.31%)
2022	$7,435.00 Homeowner's exemption	$30,000 Land $5,863 Building $24,137	$300,000 Land $58,630 Building $241,370

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1218 Sebring Cir 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

Wildfire risk around 1218 Sebring Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 483 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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