1319 Providence Cir, Elgin, IL 60120 Property Records

Cook County property record for 1319 Providence Cir, Elgin, IL 60120

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,300 sqft · built 1997
Lot Size	10.2 acres (447,052 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Oct 2017)
Tax Bill	$4,236 (2023)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-06-208-008-1150`

Property Details

APN / Parcel Number

Primary APN	`06-06-208-008-1150`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Units	7 Units
Building Area	1,300 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Lot Area	447,052 sqft
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1319 PROVIDENCE CIR
City	ELGIN
State	IL
Zip	60120-5076
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	COBBLERS CROSSING CONDOMI
Legal Range	9E
Legal Township	41N
Legal Section	06
Legal Subdivision	COBBLERS CROSSING CONDO
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1020
Census Tract	804313

Owner

1319 Providence Cir, a condominium, is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	1319 PROVIDENCE CIR, ELGIN, IL 60120-5076
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Oct 18, 2017	Warranty Deed, Transfer · Conventional with PMI PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2017 · Amount on File
Deed Sale	Oct 18, 2017 · Amount on File
Prior Sale	Apr 23, 2010 · Amount on File
Deed Document Number	201710038
Prior Transfer Date	Sep 30, 2011
Prior Transfer Doc	0000034057
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1319 PROVIDENCE CIR, ELGIN, IL 60120-5076
Transaction Type	Mortgage
Record Updated	Apr 9, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020307210
Date	Jul 22, 2021
Instrument	2120307210

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.62%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Oct 18, 2017
Property Address	1319 PROVIDENCE CIR, ELGIN, IL 60120-5076
Document Number	1729110038
Instrument Date	Sep 29, 2017
Instrument	29110038
Transaction Type	Transfer
Record Updated	Oct 27, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$158.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1319 PROVIDENCE CIR ELGIN IL 601205076, ELGIN, IL 60120-5076

Mortgage

Document Number	1729110039
Date	Oct 18, 2017
Instrument	29110039

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

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		$24,190 Land $2,393 Building $21,797	$241,900 Land $23,930 Building $217,970
2023	$4,236.00 (+3.65%)
2022	$4,087.00 Homeowner's exemption	$18,031 Land $2,093 Building $15,938	$180,310 Land $20,930 Building $159,380

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 1319 Providence 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 1319 Providence 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 398 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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