1228 Navy Ct, Elgin, IL 60123 Property Records

Kane County property record for 1228 Navy Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,447 sqft · built 1998
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Jun 2008)
Tax Bill	$11,189 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-378-006`

Property Details

APN / Parcel Number

Primary APN	`06-28-378-006`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,447 sqft Living Area
Gross Area	3,801 sqft
Basement Area	1,354 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Traditional
Construction Type	Frame
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1228 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 812
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	4
Legal Lot Number	812
Legal Unit	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4003
Census Tract	851907

Owner

Source: Kane County assessment roll, as of August 25, 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	1228 NAVY CT, ELGIN, IL 60123-8574
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 3, 2008 · Amount on Record
Deed Sale	Jun 3, 2008 · Amount on Record
Prior Sale	Feb 23, 1999 · Amount on Record
Deed Document Number	200846816
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1228 NAVY CT, ELGIN, IL 60123-8574
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037301
Date	Jul 13, 2020
Instrument	2020K037301

Lender

Name	TBK BANK SSB
Type	Bank
Address	DALLAS, TX 75251

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 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	$11,189.00 (+15.89%) Homeowner's exemption
2024		$142,456 (+21.39%) Land $28,317 Building $114,139	$427,539 (+21.44%) Land $84,985 Building $342,554
2022	$9,655.00 (+4.34%) Homeowner's exemption	$117,350 (+6.96%) Land $23,326 Building $94,024	$352,050 (+6.96%) Land $69,978 Building $282,072
2021	$9,253.00 Homeowner's exemption	$109,714 Land $21,808 Building $87,906	$329,142 Land $65,424 Building $263,718

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 at the parcel

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
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Metronet Holdings.

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