1220 Mallard Dr, Elgin, IL 60123 Property Records

Kane County property record for 1220 Mallard Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 999 sqft · built 1972
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,847 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-03-328-016`

Property Details

APN / Parcel Number

Primary APN	`06-03-328-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	999 sqft Living Area
Gross Area	1,998 sqft
1st Floor Area	999 sqft
Basement Area	999 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Frame
Lot Area	9,000 sqft (0.207 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1220 MALLARD DR
City	ELGIN
State	IL
Zip	60123-1461
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS 9TH ADDN LOT 190
Legal Subdivision	CENTURY OAKS 9TH ADDN
Legal Block	1
Legal Lot Number	190
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1014
Census Tract	851000

Owner

1220 Mallard Dr is owned and occupied by two individuals who acquired it in October 2024.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1220 MALLARD DR, ELGIN, IL 60123-1461
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
Feb 11, 2026	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage AMERISAVE MORTGAGE CORP
Aug 4, 2020	Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2020
Deed Sale	Aug 4, 2020
Deed Document Number	202043110
Last Transfer Date	Oct 13, 2024
Transfer Doc	0000005673
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Feb 11, 2026
Property Address	1220 MALLARD DR, ELGIN, IL 60123-1461
Document Number	0000005673
Instrument Date	Oct 13, 2024
Instrument	2026K005673
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 MALLARD DR, ELGIN, IL 60123-1461

Mortgage

Document Number	0000005674
Date	Feb 11, 2026
Instrument	2026K005674

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	345 Months
Due	Nov 1, 2054

Interest

Rate Type	Fixed Rate
Rate	11.7%

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Aug 4, 2020
Property Address	1220 MALLARD DR, ELGIN, IL 60123-1461
Document Number	0000043110
Instrument Date	Jul 22, 2020
Instrument	2020K043110
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	HERITAGE TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1220 MALLARD DR, ELGIN, IL 60123-1461

Mortgage

Document Number	0000043111
Date	Aug 4, 2020
Instrument	2020K043111

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 1220 Mallard Dr was $5,847, up 4.4% from the year before.

Source: Kane County assessment roll, as of July 23, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,847.00 (+4.45%) Homeowner's exemption	$84,641 (+8.57%) Land $27,140 Building $57,501	$254,025 (+8.57%) Land $81,453 Building $172,572
2024	$5,598.00 Homeowner's exemption	$77,960 Land $24,998 Building $52,962	$233,974 Land $75,024 Building $158,950
2022	$5,048.00 (+4.71%) Homeowner's exemption	$64,221 (+6.96%) Land $20,593 Building $43,628	$192,663 (+6.96%) Land $61,779 Building $130,884
2021	$4,821.00 Homeowner's exemption	$60,042 Land $19,253 Building $40,789	$180,126 Land $57,759 Building $122,367

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

Flood

FEMA maps place 1220 Mallard Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1220 Mallard Dr 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 218 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
Fox Valley Internet Fixed Wireless	300 / 60
Verizon Fixed Wireless	300 / 20

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

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