1446 Eliot Trl, Elgin, IL 60120 Property Records

Cook County property record for 1446 Eliot Trl, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,222 sqft · built 1994
Lot Size	0.187 acres (8,157 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Feb 2020)
Tax Bill	$7,969 (2023)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-17-111-037`

Property Details

APN / Parcel Number

Primary APN	`06-17-111-037`
Alternative APN	`06-17-111-037-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,222 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,157 sqft (0.187 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1446 ELIOT TRL
City	ELGIN
State	IL
Zip	60120-4696
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L153 COUNTRY TRAILS UNIT 3 NW1/4 S1 7 T41N R09E
Legal Range	9E
Legal Township	41N
Legal Section	17
Legal Subdivision	COUNTRY TRAILS UNIT 03
Legal Lot Number	153
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	3
Census Block	3013
Census Tract	804404

Owner

1446 Eliot Trl is owned and occupied by an individual who bought it in February 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1446 ELIOT TRL, ELGIN, IL 60120-4696
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage DIAMOND RESIDENTIAL MORTGAGE CORP
Feb 7, 2020	Warranty Deed, Transfer · Conventional Mortgage LIFESTONE MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2020 · Amount on File
Deed Sale	Feb 7, 2020 · Amount on File
Prior Sale	Sep 10, 2004 · Amount on File
Deed Document Number	202055121
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1446 ELIOT TRL, ELGIN, IL 60120-4696
Transaction Type	Mortgage
Record Updated	Apr 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003920188
Date	Feb 8, 2021
Instrument	2103920188

Lender

Name	DIAMOND RESIDENTIAL MORTGAGE CORP
Type	Mortgage Company
Address	LAKE FOREST, IL 60045

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Feb 7, 2020
Property Address	1446 ELIOT TRL, ELGIN, IL 60120-4696
Document Number	2003855121
Instrument Date	Jan 17, 2020
Instrument	3855121
Transaction Type	Transfer
Record Updated	Feb 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1446 ELIOT TRL ELGIN IL 601204696, ELGIN, IL 60120-4696

Mortgage

Document Number	2003855122
Date	Feb 7, 2020
Instrument	3855122

Lender

Name	LIFESTONE MTG CORP
Address	PINGREE GROVE, IL 60140

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 6, 2050

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		$38,000 Land $5,710 Building $32,290	$380,000 Land $57,100 Building $322,900
2023	$7,969.00 (-8.1%)
2022	$8,671.00 Homeowner's exemption	$30,999 Land $4,486 Building $26,513	$309,990 Land $44,860 Building $265,130

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 1446 Eliot Trl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1446 Eliot Trl 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 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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