Cook County property record for 1247 Coldspring Rd, Elgin, IL 60120
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,356 sqft · built 1993 |
| Lot Size | 0.286 acres (12,453 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Sep 2018) |
| Tax Bill | $6,044 (2023) |
| Deeds & Mortgages | Apr 2020 Mortgage Sep 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-07-409-110 |
| Primary APN | 06-07-409-110 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,356 sqft Living Area |
| 1st Floor Area | 1,356 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Modern |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 12,453 sqft (0.286 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1247 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 CROSSING UNIT 15 |
| Legal Lot Number | 10 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 804403 |
1247 Coldspring Rd, a townhouse, is owned and occupied by an individual who bought it in September 2018.
Source: Cook County records, as of May 27, 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 | Individual Name on File |
|---|---|
| Mailing Address | 1247 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/OMAHA |
| Sep 5, 2018 | Grant Deed, Transfer · Conventional Mortgage BMO HARRIS BK NA |
| Dec 6, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2018 · Amount on File |
| Deed Sale | Sep 5, 2018 · Amount on File |
| Prior Sale | Dec 6, 2017 |
| Deed Document Number | 20186021 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1247 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Document Number | 2014203023 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1247 COLDSPRING RD ELGIN IL 601205114, ELGIN, IL 60120-5114 |
| Document Number | 2014203023 |
|---|---|
| Date | May 21, 2020 |
| Instrument | 14203023 |
| Name | FIRST NAT'L BK/OMAHA |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68197-3165 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 20, 2035 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Sep 5, 2018 |
| Property Address | 1247 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Document Number | 1824806021 |
| Instrument Date | Jul 16, 2018 |
| Instrument | 24806021 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1247 COLDSPRING RD ELGIN IL 601205114, ELGIN, IL 60120-5114 |
| Document Number | 1824806022 |
|---|---|
| Date | Sep 5, 2018 |
| Instrument | 24806022 |
| Name | BMO HARRIS BK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 4, 2048 |
| Rate | 4.62% |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Dec 6, 2017 |
| Property Address | 1247 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Document Number | 1734044044 |
| Instrument Date | Nov 20, 2017 |
| Instrument | 34044044 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 15480 LAGUNA CANYON RD #100 IRVINE CA 926182132, 100, IRVINE, CA 92618-2132 |
| Investor | Possibly a Property Investor |
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 | $27,000 Land $13,698 Building $13,302 | $270,000 Land $136,980 Building $133,020 | |
| 2023 | $6,044.00 (+2.89%) | ||
| 2022 | $5,874.00 | $20,999 Land $3,499 Building $17,500 | $209,990 Land $34,990 Building $175,000 |
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 1247 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 1247 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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