1229 Mallard Dr, Elgin, IL 60123 Property Records

Kane County property record for 1229 Mallard Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,368 sqft · built 1970
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Aug 2020)
Tax Bill	$6,831 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-03-329-006`

Property Details

APN / Parcel Number

Primary APN	`06-03-329-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,368 sqft Living Area
Gross Area	2,364 sqft
1st Floor Area	1,368 sqft
Basement Area	996 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Frame
Foundation Type	No Foundation
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	1229 MALLARD DR
City	ELGIN
State	IL
Zip	60123-1460
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS 9TH ADDN LOT 178
Legal Subdivision	CENTURY OAKS 9TH ADDN
Legal Block	1
Legal Lot Number	178
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1015
Census Tract	851000

Owner

Source: Kane County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1229 MALLARD DR, ELGIN, IL 60123-1460
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Jun 29, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Sep 28, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Aug 20, 2020	Warranty Deed, Transfer · Stand-Alone Second Mortgage ILLINOIS HOUSING DEVELOPMENT AUTHOR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2020 · Amount on Record
Deed Sale	Aug 20, 2020 · Amount on Record
Prior Sale	Jul 18, 2014 · Amount on Record
Deed Document Number	202046912
Prior Transfer Date	Jan 24, 1996
Prior Transfer Doc	0000008859
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Aug 6, 2026
Property Address	1229 MALLARD DR, ELGIN, IL 60123-1460
Document Number	0000033831
Instrument Date	Jul 16, 2026
Instrument	202633831
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1229 MALLARD DR, ELGIN, IL 60123-1460

Mortgage

Document Number	0000033831,
Date	Aug 6, 2026
Instrument	202633831

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	288 Months
Due	Aug 1, 2050

Interest

Rate	6.47%
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1229 MALLARD DR, ELGIN, IL 60123-1460
Transaction Type	Mortgage
Record Updated	Jul 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1229 MALLARD DR, ELGIN, IL 60123-1460

Mortgage

Document Number	0000021626
Date	Jun 29, 2023
Instrument	2023K021626

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Aug 1, 2050

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1229 MALLARD DR, ELGIN, IL 60123-1460
Transaction Type	Mortgage
Record Updated	Oct 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1229 MALLARD DR, ELGIN, IL 60123-1460

Mortgage

Document Number	0000048082
Date	Sep 28, 2022
Instrument	2022K048082

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Aug 1, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 20, 2020
Property Address	1229 MALLARD DR, ELGIN, IL 60123-1460
Document Number	0000046912
Instrument Date	Jul 24, 2020
Instrument	2020K046912
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	PRECISION TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2352 SOUTH ST, ELGIN, IL 60123-6989

Mortgage

Document Number	0000046914
Date	Aug 20, 2020
Instrument	2020K046914

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHOR
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000046913
Date	Aug 20, 2020
Instrument	2020K046913

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.12%

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	$6,831.00 (+15.84%) Homeowner's exemption	$97,547 (+8.57%) Land $27,140 Building $70,407	$292,758 (+8.57%) Land $81,453 Building $211,306
2024		$89,847 (+21.39%) Land $24,998 Building $64,849	$269,649 (+21.44%) Land $75,024 Building $194,625
2022	$5,897.00 (+4.59%) Homeowner's exemption	$74,013 (+6.96%) Land $20,593 Building $53,420	$222,039 (+6.96%) Land $61,779 Building $160,260
2021	$5,638.00 Homeowner's exemption	$69,197 Land $19,253 Building $49,944	$207,591 Land $57,759 Building $149,832

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 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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