1220 Concord Dr, Elgin, IL 60120 Property Records

Cook County property record for 1220 Concord Dr, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,020 sqft · built 1988
Lot Size	0.226 acres (9,860 sqft)
Owner	Individual Name on File
Last Sale	$266,000 (Dec 2021)
Tax Bill	$7,484 (2023)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-19-409-015`

Property Details

APN / Parcel Number

Primary APN	`06-19-409-015`
Alternative APN	`06-19-409-015-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,020 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1989
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,860 sqft (0.226 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1220 CONCORD DR
City	ELGIN
State	IL
Zip	60120-7607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(SUMMERHILL) (UNIT4) A SUB OF PT OF SEC 19-41-09
Legal Range	09E
Legal Township	41N
Legal Section	19
Legal Subdivision	SUMMERHILL UNIT4
Legal Lot Number	289
Legal Unit	4
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2007
Census Tract	804406

Owner

1220 Concord Dr is owned and occupied by an individual who bought it in December 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1220 CONCORD DR, ELGIN, IL 60120-7607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Warranty Deed, Transfer · Conventional Mortgage INLAND BANK & TRUST
Jul 27, 2018	Warranty Deed, Transfer · Conventional with PMI FIRST CENTENNIAL MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2021 · Amount on File
Deed Sale	Dec 21, 2021 · Amount on File
Prior Sale	Jul 27, 2018 · Amount on File
Deed Document Number	20214292
Prior Transfer Date	Aug 10, 2011
Prior Transfer Doc	0000049104
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Dec 21, 2021
Property Address	1220 CONCORD DR, ELGIN, IL 60120-7607
Document Number	0035504292
Instrument Date	Nov 10, 2021
Instrument	2135504292
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$266.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CONCORD DR, ELGIN, IL 60120

Mortgage

Document Number	0035504293
Date	Dec 21, 2021
Instrument	2135504293

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.62%

Mortgage

Document Number	0035504294
Date	Dec 21, 2021
Instrument	2135504294

Lender

Name	INLAND BANK & TRUST
Type	Bank
Address	GENEVA, IL 60134

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jul 27, 2018
Property Address	1220 CONCORD DR, ELGIN, IL 60120-7607
Document Number	1820849078
Instrument Date	Jun 28, 2018
Instrument	20849078
Transaction Type	Transfer
Record Updated	Aug 9, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$213.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 CONCORD DR ELGIN IL 601207607, ELGIN, IL 60120-7607

Mortgage

Document Number	1820849079
Date	Jul 27, 2018
Instrument	20849079

Lender

Name	FIRST CENTENNIAL MTG CORP
Address	AURORA, IL 60506

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2048

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		$30,000 Land $6,902 Building $23,098	$300,000 Land $69,020 Building $230,980
2023	$7,484.00 (+2.9%)
2022	$7,273.00 Homeowner's exemption	$26,000 Land $6,409 Building $19,591	$260,000 Land $64,090 Building $195,910

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 1220 Concord Dr 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 1220 Concord 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 312 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fox Valley Internet.

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