12N345 Coombs Rd, Elgin, IL 60124 Property Records

Kane County property record for 12N345 Coombs Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,927 sqft · built 2007
Lot Size	1.83 acres (80,150 sqft)
Owner	Individual Name on Record
Tax Bill	$20,594 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Apr 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-07-300-026`

Property Details

APN / Parcel Number

Primary APN	`06-07-300-026`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,927 sqft Living Area
Gross Area	6,738 sqft
Basement Area	2,811 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Lot Area	80,150 sqft
Garage Type	Attached
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	12N345 COOMBS RD
City	ELGIN
State	IL
Zip	60124-8035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF THE S 1/2 OF SEC 7-41-8 DESC IN DOC 2005K073580
Legal Range	08
Legal Township	41
Legal Section	07
Legal Block	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4018
Census Tract	851904

Owner

Source: Kane County records, as of July 23, 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	12N345 COOMBS RD, ELGIN, IL 60124-8035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2017	Deed of Trust, Mortgage · ARM OLD SECOND NATIONAL BANK
Apr 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage OLD SECOND NATIONAL BANK
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage OLD SECOND NATIONAL BANK
May 30, 2018	Trustee's Deed, Construction Loan · Line of Credit OLD SECOND NAT'L BK
Aug 4, 2017	Trustee's Deed, Construction Loan · Line of Credit OLD SECOND NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 17, 2005
Transfer Doc	0000073580
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	12N345 COOMBS RD, ELGIN, IL 60124-8035
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	FOX TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036790
Date	Jul 17, 2017
Instrument	2017K036790

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	9%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	12N345 COOMBS RD, ELGIN, IL 60124-8035
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	FOX TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018177
Date	Apr 20, 2018
Instrument	2018K018177

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2038

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	12N345 COOMBS RD, ELGIN, IL 60124-8035
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049533
Date	Jun 28, 2021
Instrument	2021K049533

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

May 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	May 30, 2018
Property Address	12N345 COOMBS RD, ELGIN, IL 60124-8035
Instrument Date	May 16, 2018
Instrument	24968
Transaction Type	Construction Loan
Record Updated	Jun 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12N345 COOMBS RD ELGIN IL 601248035, ELGIN, IL 60124-8035

Mortgage

Document Number	0000024968
Date	May 30, 2018
Instrument	24968

Lender

Name	OLD SECOND NAT'L BK
Type	Bank
Address	37 S RIVER ST, AURORA, IL 60506-4173

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 29, 2019

Interest

Rate Type	Adjustable Rate
Rate	4.75%

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Aug 4, 2017
Property Address	12N345 COOMBS RD, ELGIN, IL 60124-8035
Instrument Date	Jul 20, 2017
Instrument	40580
Transaction Type	Construction Loan
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12N345 COOMBS RD ELGIN IL 601248035, ELGIN, IL 60124-8035

Mortgage

Document Number	0000040580
Date	Aug 4, 2017
Instrument	40580

Lender

Name	OLD SECOND NAT'L BK
Type	Bank
Address	37 S RIVER ST, AURORA, IL 60506-4173

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Aug 3, 2018

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Unified School District	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$20,594.00 (+2.04%) Homeowner's exemption	$305,136 (+8.57%) Land $44,935 Building $260,201	$915,774 (+8.57%) Land $134,859 Building $780,915
2024		$281,050 (+21.39%) Land $41,388 Building $239,662	$843,487 (+21.44%) Land $124,214 Building $719,274
2022	$20,183.00 (+4.39%)	$231,519 (+6.96%) Land $34,094 Building $197,425	$694,557 (+6.96%) Land $102,282 Building $592,275
2021	$19,334.00	$216,453 Land $31,875 Building $184,578	$649,359 Land $95,625 Building $553,734

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Jun 2000

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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