Cook County property record for 1318 Concord Ct, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,200 sqft · built 1987 |
| Lot Size | 0.258 acres (11,215 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Feb 2019) |
| Tax Bill | $6,908 (2023) |
| Deeds & Mortgages | Apr 2021 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-20-302-026 |
| Primary APN | 06-20-302-026 |
|---|---|
| Alternative APN |
|
| 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 |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 11,215 sqft (0.258 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1318 CONCORD CT |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-8183 |
| 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 | 129 |
| Legal Unit | 2 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 804406 |
1318 Concord Ct is owned and occupied by an individual who bought it in February 2019.
Source: Cook County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1318 CONCORD CT, ELGIN, IL 60120-8183 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Feb 14, 2019 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 14, 2019 · Amount on File |
| Deed Sale | Feb 14, 2019 · Amount on File |
| Prior Sale | Apr 4, 2003 · Amount on File |
| Deed Document Number | 201955199 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1318 CONCORD CT, ELGIN, IL 60120-8183 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0011104227 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 2111104227 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | May 1, 2049 |
| Rate | 2.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1318 CONCORD CT, ELGIN, IL 60120-8183 |
| Document Number | 2019839029 |
| Instrument Date | Apr 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 1318 CONCORD CT ELGIN IL 601208183, ELGIN, IL 60120-8183 |
| Document Number | 2019839029 |
|---|---|
| Date | Jul 16, 2020 |
| Instrument | 19839029 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 15, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Feb 14, 2019 |
| Property Address | 1318 CONCORD CT, ELGIN, IL 60120-8183 |
| Document Number | 1904555199 |
| Instrument Date | Feb 1, 2019 |
| Instrument | 4555199 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $185.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1318 CONCORD CT ELGIN IL 601208183, ELGIN, IL 60120-8183 |
| Document Number | 1904555200 |
|---|---|
| Date | Feb 14, 2019 |
| Instrument | 4555200 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 13, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $28,001 Land $7,851 Building $20,150 | $280,010 Land $78,510 Building $201,500 | |
| 2023 | $6,908.00 (+2.9%) | ||
| 2022 | $6,713.00 | $23,999 Land $7,289 Building $16,710 | $239,990 Land $72,890 Building $167,100 |
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.
FEMA maps place 1318 Concord Ct 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 risk around 1318 Concord Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 79% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 · 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 |
| Fox Valley Internet Fixed Wireless | 100 / 20 |
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