1256 Concord Dr, Elgin, IL 60120 Property Records

Cook County property record for 1256 Concord Dr, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,029 sqft · built 1984
Lot Size	0.204 acres (8,869 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Dec 2025)
Tax Bill	$6,242 (2023)
Deeds & Mortgages	Mar 2025 Line of Credit Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-19-405-008`

Property Details

APN / Parcel Number

Primary APN	`06-19-405-008`
Alternative APN	`06-19-405-008-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,029 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1985
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,869 sqft (0.204 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1256 CONCORD DR
City	ELGIN
State	IL
Zip	60120-8187
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART SEC19 PART S20+ T41N R09E 3P
Legal Range	9E
Legal Township	41N
Legal Section	19
Legal Subdivision	SUMMERHILL UNIT 03
Legal Lot Number	181
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2009
Census Tract	804406

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1256 CONCORD DR, ELGIN, IL 60120-8187
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 18, 2025	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2025 · Amount on Record
Deed Sale	Dec 18, 2025 · Amount on Record
Prior Sale	Apr 12, 2002 · Amount on Record
Deed Document Number	20259010
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1256 CONCORD DR, ELGIN, IL 60120-8187
Transaction Type	Mortgage
Record Updated	Jan 2, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1256 CONCORD DR, ELGIN, IL 60120-8187

Mortgage

Document Number	0007118205
Date	Mar 12, 2025
Instrument	2507118205

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2055

Interest

Rate Type	Adjustable Rate
Rate	8.95%
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Dec 18, 2025
Property Address	1256 CONCORD DR, ELGIN, IL 60120-8187
Document Number	0035209010
Instrument Date	Dec 2, 2025
Instrument	2535209010
Transaction Type	Transfer
Record Updated	Jan 2, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1256 CONCOLS DRIVE, ELGIN, IL 60120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1256 CONCORD DR, ELGIN, IL 60120-8187

Mortgage

Document Number	0035209011
Date	Dec 18, 2025
Instrument	2535209011

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.12%

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		$30,000 (+2%) Land $6,208 Building $23,792	$300,000 (+2%) Land $62,080 Building $237,920
2023	$6,242.00 (+3.41%) Homeowner's exemption	$24,999 (-) Land $5,764 Building $19,235	$249,990 (-) Land $57,640 Building $192,350
2022	$6,036.00 Homeowner's exemption	$24,999 Land $5,764 Building $19,235	$249,990 Land $57,640 Building $192,350

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.

Flood

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

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 312 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fox Valley Internet.

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