1251 Ridgeway Dr, Elgin, IL 60123 Property Records

Kane County property record for 1251 Ridgeway Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1969
Lot Size	0.291 acres (12,697 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Mar 2020)
Tax Bill	$7,219 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-03-427-003`

Property Details

APN / Parcel Number

Primary APN	`06-03-427-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,512 sqft Living Area
Gross Area	2,520 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Frame
Lot Area	12,697 sqft (0.291 acres)
Lot Width	54 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1251 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 88
Legal Subdivision	CENTURY OAKS 7TH ADDN
Legal Block	1
Legal Lot Number	88
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	1251 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	Mar 31, 2020 · Amount on Record
Deed Sale	Mar 31, 2020 · Amount on Record
Prior Sale	Nov 17, 2015 · Amount on Record
Deed Document Number	202016005
Prior Transfer Date	Sep 28, 2007
Prior Transfer Doc	0000103052
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 31, 2020
Property Address	1251 RIDGEWAY DR, ELGIN, IL 60123-1449
Document Number	0000016005
Instrument Date	Mar 30, 2020
Instrument	2020K016005
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	353 MARHIL CT, 353, CRYSTAL LAKE, IL 60014-5930

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1251 RIDGEWAY DR, ELGIN, IL 60123-1449

Mortgage

Document Number	0000016006
Date	Mar 31, 2020
Instrument	2020K016006

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

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	$7,219.00 (+15.84%) Homeowner's exemption	$102,637 (+8.57%) Land $27,140 Building $75,497	$308,034 (+8.57%) Land $81,453 Building $226,582
2024		$94,536 (+21.39%) Land $24,998 Building $69,538	$283,721 (+21.44%) Land $75,024 Building $208,697
2022	$6,232.00 (+4.56%) Homeowner's exemption	$77,876 (+6.96%) Land $20,593 Building $57,283	$233,628 (+6.96%) Land $61,779 Building $171,849
2021	$5,960.00 Homeowner's exemption	$72,809 Land $19,253 Building $53,556	$218,427 Land $57,759 Building $160,668

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.

Nearby Properties on Ridgeway Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures