1604 Pebble Beach Cir, Elgin, IL 60123 Property Records

Kane County property record for 1604 Pebble Beach Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,420 sqft · built 1992
Lot Size	0.063 acres (2,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$259,000 (Apr 2026)
Tax Bill	$5,071 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-27-104-060`

Property Details

APN / Parcel Number

Primary APN	`06-27-104-060`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,420 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Frame
Lot Area	2,738 sqft (0.063 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1604 PEBBLE BEACH CIR
City	ELGIN
State	IL
Zip	60123-6863
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE GREEN UNIT 6 LOT 486
Legal Subdivision	COLLEGE GREEN
Legal Block	1
Legal Lot Number	486
Legal Unit	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1011
Census Tract	851908

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	9363 POTTER RD, DES PLAINES, IL 60016-4236
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Warranty Deed, Transfer · Conventional Mortgage LOAN STORE
Mar 29, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 7, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2026 · Amount on Record
Deed Sale	Apr 9, 2026 · Amount on Record
Prior Sale	Mar 29, 2022 · Amount on Record
Deed Document Number	202614265
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 9, 2026
Property Address	1604 PEBBLE BEACH CIR, ELGIN, IL 60123-6863
Document Number	0000014265
Instrument Date	Mar 26, 2026
Instrument	202614265
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39,238.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9363 POTTER RD, DES PLAINES, IL 60016-4236

Mortgage

Document Number	0000014266,
Date	Apr 9, 2026
Instrument	202614266

Lender

Name	LOAN STORE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.13%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 29, 2022
Property Address	1604 PEBBLE BEACH CIR, ELGIN, IL 60123-6863
Document Number	0000017254
Map Reference	DOC 90K022920
Instrument Date	Mar 14, 2022
Instrument	2022K017254
Transaction Type	Transfer
Record Updated	Apr 4, 2022
Title Company	LANDTRUST NATIONAL TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 CAMBRIDGE LN, BLOOMINGDALE, IL 60108-1505

Mortgage

Document Number	0000017255
Date	Mar 29, 2022
Instrument	2022K017255

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate
Rate	1.12%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 7, 2020
Property Address	1604 PEBBLE BEACH CIR, ELGIN, IL 60123-6863
Document Number	0000059352
Map Reference	DOC 90K02290
Instrument Date	Oct 1, 2020
Instrument	2020K059352
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$171.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1604 PEBBLE BEACH CIR, ELGIN, IL 60123-6863

Mortgage

Document Number	0000059353
Date	Oct 7, 2020
Instrument	2020K059353

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$5,071.00 (+4.58%) Homeowner's exemption	$74,479 (+8.57%) Land $16,079 Building $58,400	$223,526 (+8.57%) Land $48,256 Building $175,270
2024	$4,849.00 (+10.73%)	$68,600 (+21.39%) Land $14,810 Building $53,790	$205,882 (+21.44%) Land $44,448 Building $161,435
2022	$4,379.00 (+4.81%) Homeowner's exemption	$56,510 (+6.96%) Land $12,200 Building $44,310	$169,530 (+6.96%) Land $36,600 Building $132,930
2021	$4,178.00 Homeowner's exemption	$52,833 Land $11,406 Building $41,427	$158,499 Land $34,218 Building $124,281

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

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

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 404 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 DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Metronet, Verizon.

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