Cook County property record for 1234 Coldspring Rd, Elgin, IL 60120
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,857 sqft · built 1995 |
| Lot Size | 0.072 acres (3,122 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (Jan 2021) |
| Tax Bill | $5,995 (2023) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage Apr 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-07-409-097 |
| Primary APN | 06-07-409-097 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,857 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Modern |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 3,122 sqft (0.072 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1234 COLDSPRING RD |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5114 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Range | 9E |
| Legal Township | 41N |
| Legal Section | 07 |
| Legal Subdivision | COBBLERS XING 15 |
| Legal Lot Number | 12 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 804403 |
1234 Coldspring Rd, a townhouse, is owned and occupied by an individual who bought it in January 2021.
Source: Cook County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1234 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 19, 2021 | Warranty Deed, Transfer · Conventional with PMI CROSSCOUNTRY MTG |
| Apr 3, 2020 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FIN'L |
| Jul 18, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Apr 25, 2018 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Jun 8, 2017 | Warranty Deed, Transfer · VA Mortgage FREEDOM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 19, 2021 · Amount on File |
| Deed Sale | Jan 19, 2021 · Amount on File |
| Prior Sale | Oct 31, 2014 · Amount on File |
| Deed Document Number | 202139119 |
| Prior Transfer Date | Aug 4, 2000 |
| Prior Transfer Doc | 0000000829 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Jan 19, 2021 |
| Property Address | 1234 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Document Number | 2101939119 |
| Instrument Date | Nov 12, 2020 |
| Instrument | 1939119 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2021 |
| Title Company | BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $205.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 919 RIDGE DR #7-1 MCLEAN VA 221011634, 7-1, MCLEAN, VA 22101-1634 |
| Document Number | 2101939120 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 1939120 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 18, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1234 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Document Number | 2016057015 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 1234 COLDSPRING RD ELGIN IL 601205114, ELGIN, IL 60120-5114 |
| Document Number | 2016057015 |
|---|---|
| Date | Jun 8, 2020 |
| Instrument | 16057015 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 7, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1234 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Document Number | 1921049147 |
| Instrument Date | Jul 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2019 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 1234 COLDSPRING RD ELGIN IL 601205114, ELGIN, IL 60120-5114 |
| Document Number | 1921049147 |
|---|---|
| Date | Jul 29, 2019 |
| Instrument | 21049147 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 28, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1234 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Document Number | 1812249254 |
| Instrument Date | Apr 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2019 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 1234 COLDSPRING RD ELGIN IL 601205114, ELGIN, IL 60120-5114 |
| Document Number | 1812249254 |
|---|---|
| Date | May 2, 2018 |
| Instrument | 12249254 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Jun 8, 2017 |
| Property Address | 1234 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Document Number | 1715901054 |
| Instrument Date | May 30, 2017 |
| Instrument | 15901054 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2017 |
| Title Company | ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $175.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 34 ELK GROVE VILLAGE IL 600090034, ELK GROVE VILLAGE, IL 60009-0034 |
| Document Number | 1715901055 |
|---|---|
| Date | Jun 8, 2017 |
| Instrument | 15901055 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 7, 2047 |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $29,000 Land $3,434 Building $25,566 | $290,000 Land $34,340 Building $255,660 | |
| 2023 | $5,995.00 (-11.22%) | ||
| 2022 | $6,753.00 | $24,141 Land $3,499 Building $20,642 | $241,410 Land $34,990 Building $206,420 |
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.
FEMA maps place 1234 Coldspring Rd 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 risk around 1234 Coldspring Rd 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 98% of the US · lower than 86% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 400 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 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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