1240 Ridgeway Dr, Elgin, IL 60123 Property Records

Kane County property record for 1240 Ridgeway Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,892 sqft · built 1968
Lot Size	0.224 acres (9,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,000 (Oct 2004)
Tax Bill	$8,188 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-03-404-014`

Property Details

APN / Parcel Number

Primary APN	`06-03-404-014`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,892 sqft Living Area
Gross Area	2,516 sqft
Basement Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,750 sqft (0.224 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1240 RIDGEWAY DR
City	ELGIN
State	IL
Zip	60123-1449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS 7TH ADDN LOT 94
Legal Subdivision	CENTURY OAKS 7TH ADDN
Legal Block	1
Legal Lot Number	94
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1009
Census Tract	851000

Owner

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

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 Record
Mailing Address	1240 RIDGEWAY DR, ELGIN, IL 60123-1449
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2004 · Amount on Record
Deed Sale	Oct 21, 2004 · Amount on Record
Deed Document Number	2004137801
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1240 RIDGEWAY DR, ELGIN, IL 60123-1449
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042244
Date	Aug 22, 2022
Instrument	2022K042244

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$8,188.00 (+15.86%) Homeowner's exemption	$115,336 (+8.57%) Land $27,140 Building $88,196	$346,146 (+8.57%) Land $81,453 Building $264,694
2024		$106,232 (+21.39%) Land $24,998 Building $81,234	$318,824 (+21.44%) Land $75,024 Building $243,800
2022	$7,067.00 (+4.48%) Homeowner's exemption	$87,511 (+6.96%) Land $20,593 Building $66,918	$262,533 (+6.96%) Land $61,779 Building $200,754
2021	$6,764.00 Homeowner's exemption	$81,817 Land $19,253 Building $62,564	$245,451 Land $57,759 Building $187,692

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	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 264 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

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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