1231 Indian Dr, Elgin, IL 60120 Property Records

Cook County property record for 1231 Indian Dr, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,164 sqft · built 1959
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Oct 2020)
Tax Bill	$5,666 (2023)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-06-113-001`

Property Details

APN / Parcel Number

Primary APN	`06-06-113-001`
Alternative APN	`06-06-113-001-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,164 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1960
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,600 sqft (0.22 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1231 INDIAN DR
City	ELGIN
State	IL
Zip	60120-2346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(SECOND) ADD TO (BLACKHAWK)(MANOR) SUB PT OF SECS 6&7 SEC 07-41-09
Legal Range	09E
Legal Township	41N
Legal Section	07
Legal Subdivision	SECOND ADD TO BLACKHAWK MANOR
Legal Lot Number	200
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1022
Census Tract	804313

Owner

1231 Indian Dr is owned and occupied by an individual who bought it in October 2020.

Source: Cook County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	1231 INDIAN DR, ELGIN, IL 60120-2346
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2020 · Amount on File
Deed Sale	Oct 19, 2020 · Amount on File
Deed Document Number	20207025
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Oct 19, 2020
Property Address	1231 INDIAN DR, ELGIN, IL 60120-2346
Document Number	2029107025
Instrument Date	Jul 14, 2020
Instrument	29107025
Transaction Type	Transfer
Record Updated	Nov 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	820 FORD AVE ELGIN IL 601202520, ELGIN, IL 60120-2520

Mortgage

Document Number	2029107026
Date	Oct 19, 2020
Instrument	29107026

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 18, 2050

Interest

Rate	3.37%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover 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		$28,000 Land $6,720 Building $21,280	$280,000 Land $67,200 Building $212,800
2023	$5,666.00 (-11.94%)
2022	$6,434.00 Homeowner's exemption	$23,000 Land $6,240 Building $16,760	$230,000 Land $62,400 Building $167,600

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 1231 Indian Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 11, 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

The area around 1231 Indian Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 616 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20