1257 Concord Dr, Elgin, IL 60120 Property Records

Cook County property record for 1257 Concord Dr, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,200 sqft · built 1986
Lot Size	0.159 acres (6,912 sqft)
Owner	Individual Name on File
Last Sale	$157,000 (Dec 2000)
Tax Bill	$6,620 (2023)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-19-407-005`

Property Details

APN / Parcel Number

Primary APN	`06-19-407-005`
Alternative APN	`06-19-407-005-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1987
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,912 sqft (0.159 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1257 CONCORD DR
City	ELGIN
State	IL
Zip	60120-8195
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(SUMMERHILL) (UNIT3) A SUB OF PT OF SEC SEC 19-41-09
Legal Range	09E
Legal Township	41N
Legal Section	19
Legal Subdivision	SUMMERHILL UNIT3
Legal Lot Number	224
Legal Unit	3
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2018
Census Tract	804406

Owner

1257 Concord Dr is owned and occupied by an individual who bought it in December 2000.

Source: Cook County records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	1257 CONCORD DR, ELGIN, IL 60120-8195
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
Jun 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2000 · Amount on File
Deed Sale	Dec 18, 2000 · Amount on File
Deed Document Number	2000868
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Jun 18, 2026
Property Address	1257 CONCORD DR, ELGIN, IL 60120-8195
Document Number	0000002054
Instrument Date	Jun 12, 2026
Instrument	20262054
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1257 CONCORD DR, ELGIN, IL 60120-8195

Mortgage

Document Number	0000002054,
Date	Jun 18, 2026
Instrument	20262054

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Fixed Rate
Rate	7.5%
Initial Type	Fixed Rate
Max Rate	-1%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1257 CONCORD DR, ELGIN, IL 60120-8195
Document Number	1908757143
Instrument Date	Mar 23, 2019
Transaction Type	Mortgage
Record Updated	Apr 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1257 CONCORD DR ELGIN IL 601208195, ELGIN, IL 60120-8195

Mortgage

Document Number	1908757143
Date	Mar 28, 2019
Instrument	8757143

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 27, 2034

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		$29,000 Land $4,838 Building $24,162	$290,000 Land $48,380 Building $241,620
2023	$6,620.00 (+2.91%)
2022	$6,433.00	$22,999 Land $4,492 Building $18,507	$229,990 Land $44,920 Building $185,070

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 1257 Concord Dr 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

The area around 1257 Concord 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 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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