Cook County property record for 1248 Coldspring Rd, Elgin, IL 60120
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,251 sqft · built 1994 |
| Lot Size | 0.255 acres (11,119 sqft) |
| Owner | Individual Name on File |
| Last Sale | $226,500 (Sep 2021) |
| Tax Bill | $5,796 (2023) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-07-409-103 |
| Primary APN | 06-07-409-103 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,251 sqft Living Area |
| 1st Floor Area | 1,251 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Modern |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 11,119 sqft (0.255 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1248 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 |
1248 Coldspring Rd, a townhouse, is owned and occupied by an individual who bought it in September 2021.
Source: Cook County records, as of July 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1248 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 |
|---|---|
| Sep 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Nov 5, 2020 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MTG |
| Apr 25, 2018 | Warranty Deed, Transfer · Conventional with PMI ALLIANT CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2021 · Amount on File |
| Deed Sale | Sep 22, 2021 · Amount on File |
| Prior Sale | Nov 5, 2020 · Amount on File |
| Deed Document Number | 202146173 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Sep 22, 2021 |
| Property Address | 1248 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Document Number | 0026546173 |
| Map Reference | DOC 91397763 |
| Instrument Date | Sep 17, 2021 |
| Instrument | 2126546173 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2021 |
| Title Company | PRECISION TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $226.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1248 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Document Number | 0026546174 |
|---|---|
| Date | Sep 22, 2021 |
| Instrument | 2126546174 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Nov 5, 2020 |
| Property Address | 1248 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Document Number | 2031062242 |
| Instrument Date | Aug 14, 2020 |
| Instrument | 31062242 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $198.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5415 N SHERIDAN RD #2504 ELGIN IL 60120, 2504, ELGIN, IL 60120 |
| Document Number | 2031062243 |
|---|---|
| Date | Nov 5, 2020 |
| Instrument | 31062243 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 4, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Apr 25, 2018 |
| Property Address | 1248 COLDSPRING RD, ELGIN, IL 60120-5114 |
| Document Number | 1811529016 |
| Instrument Date | Mar 28, 2018 |
| Instrument | 11529016 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5934 MEADOW DR LISLE IL 605322906, LISLE, IL 60532-2906 |
| Document Number | 1811529017 |
|---|---|
| Date | Apr 25, 2018 |
| Instrument | 11529017 |
| Name | ALLIANT CU |
|---|---|
| Type | Credit Union |
| Address | CHICAGO, IL 60666 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 24, 2048 |
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 | $28,000 Land $12,231 Building $15,769 | $280,000 Land $122,310 Building $157,690 | |
| 2023 | $5,796.00 (+2.89%) | ||
| 2022 | $5,633.00 Homeowner's exemption Senior Citizen's exemption | $20,137 Land $3,502 Building $16,635 | $201,370 Land $35,020 Building $166,350 |
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 1248 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 1248 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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