1220 Navy Ct, Elgin, IL 60123 Property Records

Kane County property record for 1220 Navy Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,430 sqft · built 1998
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Mar 2024)
Tax Bill	$10,954 (2025)
Deeds & Mortgages	Mar 2024 Sale Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-378-004`

Property Details

APN / Parcel Number

Primary APN	`06-28-378-004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,430 sqft Living Area
Gross Area	3,645 sqft
Basement Area	1,215 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1220 NAVY CT
City	ELGIN
State	IL
Zip	60123-8574
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 10 (WILLOW BAY) LOT 810
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	810
Legal Unit	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4003
Census Tract	851907

Owner

Source: Kane County records, as of August 11, 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	1220 NAVY CT, ELGIN, IL 60123-8574
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2024	Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2024 · Amount on Record
Deed Sale	Mar 14, 2024 · Amount on Record
Prior Sale	Jan 27, 1999 · Amount on Record
Deed Document Number	20248317
Prior Transfer Date	Dec 21, 2015
Prior Transfer Doc	0000004975
Record Updated	Sep 20, 2026

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Mar 14, 2024
Property Address	1220 NAVY CT, ELGIN, IL 60123-8574
Document Number	0000008317
Map Reference	DOC 96K046770
Instrument Date	Feb 27, 2024
Instrument	2024K008317
Transaction Type	Transfer
Record Updated	Mar 20, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1220 NAVY CT, ELGIN, IL 60123-8574

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1220 NAVY CT, ELGIN, IL 60123-8574
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004071
Date	Jan 19, 2021
Instrument	2021K004071

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

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	$10,954.00 (+15.89%)	$151,583 (+8.57%) Land $30,744 Building $120,839	$454,931 (+8.57%) Land $92,269 Building $362,662
2024		$139,618 (+21.39%) Land $28,317 Building $111,301	$419,022 (+21.44%) Land $84,985 Building $334,037
2022	$9,452.00 (+4.35%) Homeowner's exemption	$115,012 (+6.96%) Land $23,326 Building $91,686	$345,036 (+6.96%) Land $69,978 Building $275,058
2021	$9,058.00 Homeowner's exemption	$107,528 Land $21,808 Building $85,720	$322,584 Land $65,424 Building $257,160

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	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 360 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Metronet.

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