163 Westgate Dr, Elgin, IL 60123 Property Records

Kane County property record for 163 Westgate Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,016 sqft · built 1969
Lot Size	0.423 acres (18,445 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Apr 2023)
Tax Bill	$8,472 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Apr 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-16-176-013`

Property Details

APN / Parcel Number

Primary APN	`06-16-176-013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,016 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	2,016 sqft
Basement Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Frame
Lot Area	18,445 sqft (0.423 acres)
Lot Dimensions	217 ft deep x 85 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	163 WESTGATE DR
City	ELGIN
State	IL
Zip	60123-4940
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY KNOLLS UNIT 17 LOT 304
Legal Subdivision	COUNTRY KNOLLS
Legal Block	3
Legal Lot Number	304
Legal Unit	17
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3016
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	163 WESTGATE DR, ELGIN, IL 60123-4940
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC
Apr 27, 2022	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 24, 2017	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Jul 8, 2020	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE LAND TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2023 · Amount on Record
Deed Sale	Apr 17, 2023 · Amount on Record
Prior Sale	Apr 27, 2022 · Amount on Record
Deed Document Number	202311925
Prior Transfer Date	Apr 14, 2022
Prior Transfer Doc	0000022892
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 17, 2023
Property Address	163 WESTGATE DR, ELGIN, IL 60123-4940
Document Number	0000011925
Instrument Date	Apr 12, 2023
Instrument	2023K011925
Transaction Type	Transfer
Record Updated	Apr 24, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	163 WESTGATE DR, ELGIN, IL 60123-4940

Mortgage

Document Number	0000011926
Date	Apr 17, 2023
Instrument	2023K011926

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.87%

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Apr 27, 2022
Property Address	163 WESTGATE DR, ELGIN, IL 60123-4940
Document Number	0000022892
Instrument Date	Apr 21, 2022
Instrument	2022K022892
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	163 WESTGATE DR, ELGIN, IL 60123-4940

Mortgage

Document Number	0000022893
Date	Apr 27, 2022
Instrument	2022K022893

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	8.5%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	163 WESTGATE DR, ELGIN, IL 60123-4940
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004451
Date	Jan 24, 2017
Instrument	2017K004451

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jul 8, 2020
Property Address	163 WESTGATE DR, ELGIN, IL 60123-4940
Document Number	0000036545
Instrument Date	Jun 1, 2020
Instrument	36545
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE LAND TRUST CO

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	6N406 BAKER DR ITASCA IL 601431936, ITASCA, IL 60143-1936

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	$8,472.00 (+8.17%)	$119,052 (+8.57%) Land $37,006 Building $82,046	$357,299 (+8.57%) Land $111,062 Building $246,236
2024		$109,655 (+21.39%) Land $34,085 Building $75,570	$329,097 (+21.44%) Land $102,296 Building $226,801
2022	$7,832.00	$90,330 Land $28,078 Building $62,252	$270,990 Land $84,234 Building $186,756

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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