1295 Concord Dr, Elgin, IL 60120 Property Records

Cook County property record for 1295 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	0.158 acres (6,890 sqft)
Owner	Individual Name on File
Last Sale	$262,000 (Feb 2007)
Tax Bill	$4,902 (2023)
Deeds & Mortgages	Dec 2016 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-20-303-010`

Property Details

APN / Parcel Number

Primary APN	`06-20-303-010`
Alternative APN	`06-20-303-010-0000`

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	6,890 sqft (0.158 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1295 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	107
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 · APN 06-20-303-010

Assessment roll updated May 27, 2026 · Last verified June 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	1295 CONCORD DR, ELGIN, IL 60120-8195
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 09, 2007 · Amount on Record
Deed Sale	Feb 09, 2007 · Amount on Record
Prior Sale	May 19, 1997 · Amount on Record
Deed Document Number	200735082
Last Transfer Date	Jan 26, 2016
Transfer Doc	0000055002
Record Updated	Sep 20, 2026

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1295 CONCORD DR, ELGIN, IL 60120-8195
Document Number	1700646021
Instrument Date	Dec 28, 2016
Transaction Type	Mortgage
Record Updated	Feb 07, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1295 CONCORD DR ELGIN IL 601208195, ELGIN, IL 60120-8195

Mortgage

Document Number	1700646021
Date	Jan 06, 2017
Instrument	646021

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 05, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.19%

Tax Assessment & Valuation

Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified June 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

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		$29,000 (+26.09%) Land $4,823 Building $24,177	$290,000 (+26.09%) Land $48,230 Building $241,770
2023	$4,902.00 (+4.05%)
2022	$4,711.00 Homeowner's exemption Senior Citizen's exemption	$22,999 Land $4,478 Building $18,521	$229,990 Land $44,780 Building $185,210

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 11, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Opiquad.

Based on FCC filings for 312 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.