1223 Ridgeway Dr, Elgin, IL 60123 Property Records

Kane County property record for 1223 Ridgeway Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,196 sqft · built 1969
Lot Size	0.493 acres (21,528 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Dec 2025)
Tax Bill	$9,514 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-03-427-005`

Property Details

APN / Parcel Number

Primary APN	`06-03-427-005`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	2,196 sqft Living Area
Gross Area	3,521 sqft
Basement Area	1,325 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Frame
Lot Area	21,528 sqft (0.493 acres)
Lot Width	95 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1223 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 86
Legal Subdivision	CENTURY OAKS 7TH ADDN
Legal Block	1
Legal Lot Number	86
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1009
Census Tract	851000

Owner

Source: Kane County assessment roll, as of December 26, 2025

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 File
Mailing Address	2210 ANDOVER CT, SCHAUMBURG, IL 60194-2503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2025	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 8, 2025 · Amount on Record
Deed Sale	Dec 8, 2025 · Amount on Record
Prior Sale	Dec 3, 2013 · Amount on Record
Deed Document Number	202548656
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 8, 2025
Property Address	1223 RIDGEWAY DR, ELGIN, IL 60123-1449
Document Number	0000048656
Instrument Date	Nov 1, 2025
Instrument	2025K048656
Transaction Type	Transfer
Record Updated	Dec 17, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
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	1223 RIDGEWAY DR, ELGIN, IL 60123-1449

Mortgage

Document Number	0000048657
Date	Dec 8, 2025
Instrument	2025K048657

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.87%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1223 RIDGEWAY DR, ELGIN, IL 60123-1449
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079546
Date	Dec 18, 2020
Instrument	2020K079546

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	CHICAGO, IL 60618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.99%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 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	$9,514.00 (+4.07%) Homeowner's exemption
2024	$9,142.00 (+11.34%) Homeowner's exemption	$122,237 (+21.39%) Land $25,253 Building $96,984	$366,858 (+21.44%) Land $75,789 Building $291,068
2022	$8,211.00 (+4.43%) Homeowner's exemption	$100,694 (+6.96%) Land $20,802 Building $79,892	$302,082 (+6.96%) Land $62,406 Building $239,676
2021	$7,863.00 Homeowner's exemption	$94,141 Land $19,448 Building $74,693	$282,423 Land $58,344 Building $224,079

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

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
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20

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

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