1281 Pappas Ct, Elgin, IL 60123 Property Records

Kane County property record for 1281 Pappas Ct, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 874 sqft · built 1980
Lot Size	0.194 acres (8,431 sqft)
Owner	Individual Name on File
Last Sale	$144,000 (Mar 2021)
Tax Bill	$4,151 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-03-303-028`

Property Details

APN / Parcel Number

Primary APN	`06-03-303-028`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	874 sqft Living Area
Gross Area	1,748 sqft
1st Floor Area	874 sqft
Basement Area	874 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Lot Area	8,431 sqft (0.194 acres)
Lot Width	26 ft Width
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1281 PAPPAS CT
City	ELGIN
State	IL
Zip	60123-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS WEST UNIT 3 PART OF LOT 125 DESC IN DOC 1551126
Legal Subdivision	CENTURY OAKS WEST
Legal Block	1
Legal Lot Number	125
Legal Unit	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1019
Census Tract	851910

Owner

Source: Kane County records · APN 06-03-303-028

Assessment roll updated December 26, 2025 · Last verified July 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 File
Mailing Address	1281 PAPPAS CT, ELGIN, IL 60123-1225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Mar 02, 2021	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 02, 2021 · Amount on Record
Deed Sale	Mar 02, 2021 · Amount on Record
Prior Sale	Sep 11, 1998 · Amount on Record
Deed Document Number	202116324
Prior Transfer Date	Feb 05, 2016
Prior Transfer Doc	0000007026
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1281 PAPPAS CT, ELGIN, IL 60123-1225
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1281 PAPPAS CT, ELGIN, IL 60123-1225

Mortgage

Document Number	0000009544
Date	Mar 10, 2026
Instrument	2026K009544

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2056

Interest

Rate	7%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 02, 2021
Property Address	1281 PAPPAS CT, ELGIN, IL 60123-1225
Document Number	0000016324
Instrument Date	Feb 19, 2021
Instrument	2021K016324
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$144.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1281 PAPPAS CT, ELGIN, IL 60123-1225

Mortgage

Document Number	0000016325
Date	Mar 02, 2021
Instrument	2021K016325

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 01, 2041

Interest

Rate	2.37%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,151.00 (+15.76%) Homeowner's exemption
2024		$57,494 (+21.39%) Land $14,199 Building $43,295	$172,551 (+21.44%) Land $42,614 Building $129,937
2022	$3,586.00 (-9.22%) Homeowner's exemption	$47,362 (+6.96%) Land $11,697 Building $35,665	$142,086 (+6.96%) Land $35,091 Building $106,995
2021	$3,950.00	$44,280 Land $10,936 Building $33,344	$132,840 Land $32,808 Building $100,032

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 218 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Opiquad	Fixed Wireless (unlicensed)	300 / 60
Verizon	Fixed Wireless	300 / 20

May also be available at this address: AT&T, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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