1289 Concord Dr, Elgin, IL 60120 Property Records

Cook County property record for 1289 Concord Dr, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,680 sqft · built 1986
Lot Size	0.158 acres (6,890 sqft)
Owner	Individual Name on Record
Last Sale	$148,000 (Nov 2012)
Tax Bill	$5,954 (2023)
Deeds & Mortgages	Sep 2023 Line of Credit Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-20-303-009`

Property Details

APN / Parcel Number

Primary APN	`06-20-303-009`
Alternative APN	`06-20-303-009-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,680 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1987
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	6,890 sqft (0.158 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1289 CONCORD DR
City	ELGIN
State	IL
Zip	60120-8195
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(SUMMERHILL) (UNIT2) A SUB OF PT OF SEC 20-41-09
Legal Range	09E
Legal Township	41N
Legal Section	20
Legal Subdivision	SUMMERHILL UNIT2
Legal Lot Number	106
Legal Unit	2
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2018
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	1289 CONCORD DR, ELGIN, IL 60120-8195
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Mar 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2012 · Amount on Record
Deed Sale	Nov 26, 2012 · Amount on Record
Prior Sale	Aug 6, 1998
Deed Document Number	201226093
Prior Transfer Date	Jun 23, 2003
Prior Transfer Doc	0000001134
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1289 CONCORD DR, ELGIN, IL 60120-8195
Transaction Type	Mortgage
Record Updated	Oct 10, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1289 CONCORD DR, ELGIN, IL 60120-8195

Mortgage

Document Number	0027208108
Date	Sep 29, 2023
Instrument	2327208108

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.65%
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1289 CONCORD DR, ELGIN, IL 60120-8195
Document Number	2011421075
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1289 CONCORD DR ELGIN IL 601208195, ELGIN, IL 60120-8195

Mortgage

Document Number	2011421075
Date	Apr 23, 2020
Instrument	11421075

Lender

Name	FIRST CENTENNIAL MTG CORP
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 22, 2035

Interest

Rate Type	Fixed Rate
Rate	3.12%

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		$31,000 (+29.17%) Land $4,823 Building $26,177	$310,000 (+29.17%) Land $48,230 Building $261,770
2023	$5,954.00 (+3.44%)
2022	$5,756.00 Homeowner's exemption	$23,999 Land $4,478 Building $19,521	$239,990 Land $44,780 Building $195,210

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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