1224 Navy Ct, Elgin, IL 60123 Property Records

Kane County property record for 1224 Navy Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,493 sqft · built 1999
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$312,500 (May 2020)
Tax Bill	$11,287 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-378-005`

Property Details

APN / Parcel Number

Primary APN	`06-28-378-005`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,493 sqft Living Area
Gross Area	3,870 sqft
Basement Area	1,377 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Traditional
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1224 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 811
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	811
Legal Unit	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4003
Census Tract	851907

Owner

1224 Navy Ct is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1224 NAVY CT, ELGIN, IL 60123-8574
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
Sep 26, 2023	Deed of Trust, Mortgage · Line of Credit CIBM BANK
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage CIBM BANK
May 4, 2020	Warranty Deed, Transfer · FHA Mortgage CIBM BANK
Feb 2, 2019	Deed of Trust, Mortgage · Line of Credit CONNEXUS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2020 · Amount on File
Deed Sale	May 4, 2020 · Amount on File
Prior Sale	Jul 28, 2014 · Amount on File
Deed Document Number	202022082
Prior Transfer Date	Sep 26, 2001
Prior Transfer Doc	0000100630
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1224 NAVY CT, ELGIN, IL 60123-8574
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033482
Date	Sep 26, 2023
Instrument	2023K033482

Lender

Name	CIBM BANK
Type	Bank
Address	WHEATON, IL 60187

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Change Frequency	Monthly
Min Rate At Change	4%
Max Rate	18%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1224 NAVY CT, ELGIN, IL 60123-8574
Transaction Type	Mortgage
Record Updated	Oct 19, 2021
Title Company	PRECISION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077584
Date	Oct 13, 2021
Instrument	2021K077584

Lender

Name	CIBM BANK
Type	Bank
Address	WATERMAN, IL 60556

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.37%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 4, 2020
Property Address	1224 NAVY CT, ELGIN, IL 60123-8574
Document Number	0000022082
Instrument Date	Apr 24, 2020
Instrument	2020K022082
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$312.50
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	1224 NAVY CT, ELGIN, IL 60123-8574

Mortgage

Document Number	0000022083
Date	May 4, 2020
Instrument	2020K022083

Lender

Name	CIBM BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.12%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1224 NAVY CT, ELGIN, IL 60123-8574
Document Number	0000005906
Instrument Date	Feb 2, 2019
Transaction Type	Mortgage
Record Updated	Feb 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1224 NAVY CT ELGIN IL 601238574, ELGIN, IL 60123-8574

Mortgage

Document Number	0000005906
Date	Feb 13, 2019
Instrument	5906

Lender

Name	CONNEXUS CU
Type	Credit Union
Address	WAUSAU, WI 54401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 12, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1224 Navy Ct was $11,287 with a homeowner's exemption.

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	$11,287.00 Homeowner's exemption	$155,958 (+8.57%) Land $30,744 Building $125,214	$468,061 (+8.57%) Land $92,269 Building $375,792
2024		$143,647 Land $28,317 Building $115,330	$431,113 Land $84,985 Building $346,128
2022	$9,740.00 (+4.35%) Homeowner's exemption	$118,331 (+6.96%) Land $23,326 Building $95,005	$354,993 (+6.96%) Land $69,978 Building $285,015
2021	$9,334.00 Homeowner's exemption	$110,631 Land $21,808 Building $88,823	$331,893 Land $65,424 Building $266,469

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 1224 Navy Ct 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 1224 Navy Ct 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 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.

Nearby Properties on Navy Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures