148 McKinstry Dr, Elgin, IL 60123 Property Records

Kane County property record for 148 McKinstry Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,563 sqft · built 1970
Lot Size	0.248 acres (10,800 sqft)
Owner	Company Name on Record
Tax Bill	$6,626 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jul 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-16-252-015`

Property Details

APN / Parcel Number

Primary APN	`06-16-252-015`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,563 sqft Living Area
Gross Area	2,351 sqft
1st Floor Area	1,563 sqft
Basement Area	788 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,800 sqft (0.248 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	148 MCKINSTRY DR
City	ELGIN
State	IL
Zip	60123-4929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY KNOLLS UNIT 12 LOT 201
Legal Subdivision	COUNTRY KNOLLS
Legal Block	3
Legal Lot Number	201
Legal Unit	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3021
Census Tract	851904

Owner

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	148 MCKINSTRY DR, ELGIN, IL 60123-4929
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jul 5, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK
Mar 19, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 22, 2026
Transfer Doc	0000011052
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	148 MCKINSTRY DR, ELGIN, IL 60123-4929
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 MCKINSTRY DR, ELGIN, IL 60123-4929

Mortgage

Document Number	0000057438
Date	Dec 5, 2022
Instrument	2022K057438

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Oct 25, 2052

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	148 MCKINSTRY DR, ELGIN, IL 60123-4929
Transaction Type	Mortgage
Record Updated	Mar 27, 2026
Title Company	HEARTLAND TITLE COMPANY, WHEATLAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 MCKINSTRY DR, ELGIN, IL 60123-4929

Mortgage

Document Number	0000023349
Date	Jul 5, 2024
Instrument	2024K023349

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	OTTAWA, IL 61350

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 19, 2026
Property Address	148 MCKINSTRY DR, ELGIN, IL 60123-4929
Document Number	0000011052
Instrument Date	Jan 22, 2026
Instrument	2026K011052
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 MCKINSTRY DR, ELGIN, IL 60123-4929

Mortgage

Document Number	0000011053
Date	Mar 19, 2026
Instrument	2026K011053

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin 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	$6,626.00 (+5.16%) Homeowner's exemption Senior Citizen's exemption	$102,855 (+8.57%) Land $28,368 Building $74,487	$308,688 (+8.57%) Land $85,138 Building $223,550
2024	$6,301.00 (+8.39%)	$94,736 (+21.39%) Land $26,129 Building $68,607	$284,322 (+21.44%) Land $78,418 Building $205,903
2022	$5,813.00 (+5.16%) Homeowner's exemption	$78,041 (+6.96%) Land $21,525 Building $56,516	$234,123 (+6.96%) Land $64,575 Building $169,548
2021	$5,528.00 Homeowner's exemption	$72,962 Land $20,124 Building $52,838	$218,886 Land $60,372 Building $158,514

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 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
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · rainfall accumulation

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 99.1% of the US · lower than 94% 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 211 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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