1246 Coldspring Rd, Elgin, IL 60120 Property Records

Cook County property record for 1246 Coldspring Rd, Elgin, IL 60120

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,857 sqft · built 1995
Lot Size	0.104 acres (4,523 sqft)
Owner	2 Individual Names on File
Last Sale	$287,000 (Aug 2024)
Tax Bill	$6,949 (2023)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-07-409-102`

Property Details

APN / Parcel Number

Primary APN	`06-07-409-102`
Alternative APN	`06-07-409-102-0000`

Interior

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

Exterior

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	4,523 sqft (0.104 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1246 COLDSPRING RD
City	ELGIN
State	IL
Zip	60120-5114
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	(COBBLERS) (CROSSING) (UNIT15) BNG A SUB OF PT OF THE EH OF SEC 07-41-09
Legal Range	09E
Legal Township	41N
Legal Section	07
Legal Subdivision	COBBLERS CROSSING UNIT15
Legal Lot Number	11
Legal Unit	15
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	4
Census Block	4014
Census Tract	804403

Owner

1246 Coldspring Rd, a townhouse, is owned by two individuals who bought it in August 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1246 COL, ELGIN, IL 60120
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	2 Names on Deed
Last Sale	Aug 26, 2024 · Amount on File
Deed Sale	Aug 26, 2024 · Amount on File
Prior Sale	Jun 6, 2018 · Amount on File
Deed Document Number	202422052
Prior Transfer Date	Nov 5, 1993
Prior Transfer Doc	0000000137
Record Updated	Oct 29, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jun 6, 2018
Property Address	1246 COLDSPRING RD, ELGIN, IL 60120-5114
Document Number	1815749295
Instrument Date	May 29, 2018
Instrument	15749295
Transaction Type	Transfer
Record Updated	Jun 15, 2018
Title Company	ATTORNEY'S TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1880 BONNIE LN #312 HOFFMAN ESTATES IL 601691040, 312, HOFFMAN ESTATES, IL 60169-1040

Mortgage

Document Number	1815749296
Date	Jun 6, 2018
Instrument	15749296

Lender

Name	STATE CHARTERED BK
Address	NAPERVILLE, IL 60563

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

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		$29,000 Land $4,975 Building $24,025	$290,000 Land $49,750 Building $240,250
2023	$6,949.00 (+2.9%)
2022	$6,753.00	$24,141 Land $3,500 Building $20,641	$241,410 Land $35,000 Building $206,410

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 1246 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

Wildfire risk around 1246 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.

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 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