125 McKinstry Dr, Elgin, IL 60123 Property Records

Kane County property record for 125 McKinstry Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,184 sqft · built 1970
Lot Size	0.229 acres (9,990 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Jun 2017)
Tax Bill	$7,338 (2025)
Deeds & Mortgages	Mar 2020 Loan Modification Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-16-253-013`

Property Details

APN / Parcel Number

Primary APN	`06-16-253-013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,184 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Raised Ranch
Construction Type	Frame
Lot Area	9,990 sqft (0.229 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Water Source	Commercial

Location & Zoning

Street Address	125 MCKINSTRY DR
City	ELGIN
State	IL
Zip	60123-4928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY KNOLLS UNIT 12 LOT 183
Legal Subdivision	COUNTRY KNOLLS
Legal Block	3
Legal Lot Number	183
Legal Unit	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3020
Census Tract	851904

Owner

125 McKinstry Dr is owned and occupied by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Mailing Address	125 MCKINSTRY DR, ELGIN, IL 60123-4928
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2020	Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG
Jun 14, 2017	Warranty Deed, Transfer · Conventional Mortgage UNIVERSAL AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2017 · Amount on File
Deed Sale	Jun 14, 2017 · Amount on File
Prior Sale	Jun 8, 2012 · Amount on File
Deed Document Number	201730324
Record Updated	Oct 29, 2026

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	125 MCKINSTRY DR, ELGIN, IL 60123-4928
Document Number	0000015474
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 MCKINSTRY DR ELGIN IL 601234928, ELGIN, IL 60123-4928

Mortgage

Document Number	0000015474
Date	Mar 27, 2020
Instrument	15474

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	FISHERS, IN 46037

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 14, 2017
Property Address	125 MCKINSTRY DR, ELGIN, IL 60123-4928
Document Number	0000030324
Instrument Date	May 31, 2017
Instrument	2017K030324
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TITLE GUARANTY FUN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 MAPLE LN, ELGIN, IL 60123-5034

Mortgage

Document Number	0000030325
Date	Jun 14, 2017
Instrument	2017K030325

Lender

Name	UNIVERSAL AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 125 McKinstry Dr was $7,338 with a homeowner's exemption.

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	$7,338.00 Homeowner's exemption	$104,191 (+8.57%) Land $27,140 Building $77,051	$312,698 (+8.57%) Land $81,453 Building $231,245
2024		$95,967 Land $24,998 Building $70,969	$288,016 Land $75,024 Building $212,992
2022	$6,334.00 (+4.56%) Homeowner's exemption	$79,055 (+6.96%) Land $20,593 Building $58,462	$237,165 (+6.96%) Land $61,779 Building $175,386
2021	$6,058.00 Homeowner's exemption	$73,911 Land $19,253 Building $54,658	$221,733 Land $57,759 Building $163,974

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 125 McKinstry Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 125 McKinstry Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 211 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 · Fiber, DSL in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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