1310 Sebring Cir, Elgin, IL 60120 Property Records

Cook County property record for 1310 Sebring Cir, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,035 sqft · built 1991
Lot Size	0.289 acres (12,600 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (May 2022)
Tax Bill	$7,196 (2023)
Deeds & Mortgages	Apr 2025 Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-17-102-046`

Property Details

APN / Parcel Number

Primary APN	`06-17-102-046`
Alternative APN	`06-17-102-046-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,035 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1992
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,600 sqft (0.289 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	1310 SEBRING CIR
City	ELGIN
State	IL
Zip	60120-5212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART NE4 SEC18 PART NW4 S17+ T41N R 09E 3P
Legal Range	9E
Legal Township	41N
Legal Section	17
Legal Subdivision	COUNTRY BROOK NORTH
Legal Lot Number	158
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2004
Census Tract	804404

Owner

1310 Sebring Cir is owned by two individuals who bought it in May 2022.

Source: Cook County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1605 MCKOOL AVE, STREAMWOOD, IL 60107-3143
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage LUMINATE BANK
May 12, 2022	Warranty Deed, Transfer · FHA Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2022 · Amount on File
Deed Sale	May 12, 2022 · Amount on File
Prior Sale	Nov 7, 2005 · Amount on File
Deed Document Number	202221107
Prior Transfer Date	Apr 30, 1997
Prior Transfer Doc	0000000441
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1310 SEBRING CIR, ELGIN, IL 60120-5212
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1310 SEBRING CIR, ELGIN, IL 60120-5212

Mortgage

Document Number	0011230201
Date	Apr 22, 2025
Instrument	2511230201

Lender

Name	LUMINATE BANK
Type	Bank
Address	MINNEAPOLIS, MN 55405

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2040

Interest

Rate Type	Fixed Rate
Rate	6.25%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	May 12, 2022
Property Address	1310 SEBRING CIR, ELGIN, IL 60120-5212
Document Number	0013221107
Map Reference	DOC 91-199804
Instrument Date	Apr 22, 2022
Instrument	2213221107
Transaction Type	Transfer
Record Updated	May 23, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1310 SEBRING CIR, 1310, ELGIN, IL 60120-5212

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1605 MCKOOL AVE, STREAMWOOD, IL 60107-3143

Mortgage

Document Number	0013221108
Date	May 12, 2022
Instrument	2213221108

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

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		$30,000 Land $8,820 Building $21,180	$300,000 Land $88,200 Building $211,800
2023	$7,196.00 (+19.22%)
2022	$6,036.00 Homeowner's exemption	$25,000 Land $6,930 Building $18,070	$250,000 Land $69,300 Building $180,700

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 1310 Sebring Cir 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 1310 Sebring Cir 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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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