149 McKinstry Dr, Elgin, IL 60123 Property Records

Kane County property record for 149 McKinstry Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,690 sqft · built 1971
Lot Size	0.281 acres (12,260 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Aug 2022)
Tax Bill	$7,767 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-16-253-016`

Property Details

APN / Parcel Number

Primary APN	`06-16-253-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,690 sqft Living Area
Gross Area	2,392 sqft
1st Floor Area	1,690 sqft
Basement Area	702 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Brick
Construction Type	Frame
Lot Area	12,260 sqft (0.281 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	149 MCKINSTRY DR
City	ELGIN
State	IL
Zip	60123-4928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY KNOLLS UNIT 12 LOT 180
Legal Subdivision	COUNTRY KNOLLS
Legal Block	3
Legal Lot Number	180
Legal Unit	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3020
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	2 Individual Names on Record
Mailing Address	149 MCKINSTRY DR, ELGIN, IL 60123-4928
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Nov 1, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 12, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2022 · Amount on Record
Deed Sale	Aug 23, 2022 · Amount on Record
Prior Sale	Jun 16, 2016 · Amount on Record
Deed Document Number	202242516
Prior Transfer Date	Oct 12, 2019
Prior Transfer Doc	0000052713
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 23, 2022
Property Address	149 MCKINSTRY DR, ELGIN, IL 60123-4928
Document Number	0000042516
Instrument Date	Jul 19, 2022
Instrument	2022K042516
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$355.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	149 MCKINSTRY DR, ELGIN, IL 60123-4928

Mortgage

Document Number	0000042517
Date	Aug 23, 2022
Instrument	2022K042517

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.62%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	149 MCKINSTRY DR, ELGIN, IL 60123-4928
Transaction Type	Mortgage
Record Updated	Aug 10, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057026
Date	Jul 26, 2021
Instrument	2021K057026

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 1, 2019
Property Address	149 MCKINSTRY DR, ELGIN, IL 60123-4928
Document Number	0000052713
Instrument Date	Oct 12, 2019
Instrument	52713
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	149 MCKINSTRY DR ELGIN IL 601234928, ELGIN, IL 60123-4928

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Mar 12, 2018
Property Address	149 MCKINSTRY DR, ELGIN, IL 60123-4928
Document Number	0000011351
Instrument Date	Feb 27, 2018
Instrument	11351
Transaction Type	Transfer
Record Updated	Apr 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	149 MCKINSTRY DR ELGIN IL 601234928, ELGIN, IL 60123-4928

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	$7,767.00 (+15.86%) Homeowner's exemption	$109,809 (+8.57%) Land $28,368 Building $81,441	$329,559 (+8.57%) Land $85,138 Building $244,421
2024		$101,141 (+21.39%) Land $26,129 Building $75,012	$303,544 (+21.44%) Land $78,418 Building $225,126
2022	$6,704.00 (+4.52%) Homeowner's exemption	$83,318 (+6.96%) Land $21,525 Building $61,793	$249,954 (+6.96%) Land $64,575 Building $185,379
2021	$6,414.00 Homeowner's exemption	$77,896 Land $20,124 Building $57,772	$233,688 Land $60,372 Building $173,316

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 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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