1445 Eliot Trl, Elgin, IL 60120 Property Records

Cook County property record for 1445 Eliot Trl, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,642 sqft · built 1996
Lot Size	0.236 acres (10,272 sqft)
Owner	Individual Name on Record
Last Sale	$159,000 (Apr 1997)
Tax Bill	$6,342 (2023)
Deeds & Mortgages	Sep 2025 Transfer Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-17-112-020`

Property Details

APN / Parcel Number

Primary APN	`06-17-112-020`
Alternative APN	`06-17-112-020-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,642 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1997
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,272 sqft (0.236 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1445 ELIOT TRL
City	ELGIN
State	IL
Zip	60120-4697
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART NW4 S17 T41N R09E 3P
Legal Range	9E
Legal Township	41N
Legal Section	17
Legal Subdivision	COUNTRY TRAILS UNIT 03
Legal Lot Number	145
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	3
Census Block	3012
Census Tract	804404

Owner

Source: Cook County records, as of May 27, 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	1445 ELIOT TRL, ELGIN, IL 60120-4697
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Transfer on Death Deed, Transfer
Jul 19, 2023	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 5, 2017	Deed of Trust, Mortgage · VA Mortgage NETWORK CAP FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 1997 · Amount on Record
Deed Sale	Apr 15, 1997 · Amount on Record
Deed Document Number	1997626
Last Transfer Date	Sep 16, 2025
Transfer Doc	0000007018
Record Updated	Sep 20, 2026

September 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	COOK IL
Recording Date	Sep 23, 2025
Property Address	1445 ELIOT TRL, ELGIN, IL 60120-4697
Document Number	0026607018
Instrument Date	Sep 16, 2025
Instrument	2526607018
Transaction Type	Transfer
Record Updated	Oct 8, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
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	3070 BEUTELL LN, MACHESNEY PARK, IL 61115-7605

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1445 ELIOT TRL, ELGIN, IL 60120-4697
Transaction Type	Mortgage
Record Updated	Apr 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1445 ELIOT TRL, ELGIN, IL 60120-4697
Investor	Possibly a Property Investor

Mortgage

Document Number	0020041167
Date	Jul 19, 2023
Instrument	2320041167

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Oct 1, 2052

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1445 ELIOT TRL, ELGIN, IL 60120-4697
Document Number	1716757072
Instrument Date	Jun 5, 2017
Transaction Type	Mortgage
Record Updated	Jun 29, 2017
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1445 ELIOT TRL ELGIN IL 601204697, ELGIN, IL 60120-4697

Mortgage

Document Number	1716757072
Date	Jun 16, 2017
Instrument	16757072

Lender

Name	NETWORK CAP FNDG
Type	Funding / Finance Company
Address	IRVINE, CA 92614

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

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		$35,000 (+25%) Land $7,190 Building $27,810	$350,000 (+25%) Land $71,900 Building $278,100
2023	$6,342.00 (+3.8%) Homeowner's exemption Senior Citizen's exemption	$27,999 (-) Land $5,649 Building $22,350	$279,990 (-) Land $56,490 Building $223,500
2022	$6,110.00 Homeowner's exemption Senior Citizen's exemption	$27,999 Land $5,649 Building $22,350	$279,990 Land $56,490 Building $223,500

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

Source: FEMA National Flood Hazard Layer, effective February 11, 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	1 in force

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	Low lower than 98% of the US · lower than 86% 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.

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 483 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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