Kane County property record for 1640 Sheffield Dr, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,944 sqft · built 1978 |
| Lot Size | 0.269 acres (11,737 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $323,000 (Jul 2023) |
| Tax Bill | $8,301 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage May 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-03-103-026 |
| Primary APN | 06-03-103-026 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,944 sqft Living Area |
| Gross Area | 2,568 sqft |
| Basement Area | 624 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 11,737 sqft (0.269 acres) |
| Lot Dimensions | 97 ft deep x 121 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 1640 SHEFFIELD DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-1259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CENTURY OAKS WEST UNIT 3 LOT 137 |
| Legal Subdivision | CENTURY OAKS WEST |
| Legal Block | 1 |
| Legal Lot Number | 137 |
| Legal Unit | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 851910 |
Source: Kane County assessment roll, APN 06-03-103-026, as of December 26, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 8906 WOODY TRL, WONDER LAKE, IL 60097-8413 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 21, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 01, 2023 | Warranty Deed, Transfer · Commercial Mortgage REPUBLIC BANK OF CHICAGO |
| Oct 04, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 21, 2023 · Amount on Record |
| Deed Sale | Jul 21, 2023 · Amount on Record |
| Prior Sale | May 01, 2023 · Amount on Record |
| Deed Document Number | 202324711 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 21, 2023 |
| Property Address | 1640 SHEFFIELD DR, ELGIN, IL 60123-1259 |
| Document Number | 0000024711 |
| Instrument Date | Jul 07, 2023 |
| Instrument | 2023K024711 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $323.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 8906 WOODY TRL, WONDER LAKE, IL 60097-8413 |
| Investor | Possibly a Property Investor |
| Document Number | 0000024712 |
|---|---|
| Date | Jul 21, 2023 |
| Instrument | 2023K024712 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2053 |
| Rate | 6.12% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 01, 2023 |
| Property Address | 1640 SHEFFIELD DR, ELGIN, IL 60123-1259 |
| Document Number | 0000013526 |
| Instrument Date | Apr 26, 2023 |
| Instrument | 2023K013526 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 36W995 RIDGE RD, SAINT CHARLES, IL 60175 |
| Document Number | 0000013527 |
|---|---|
| Date | May 01, 2023 |
| Instrument | 2023K013527 |
| Name | REPUBLIC BANK OF CHICAGO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9% |
| Index | 6-Month T-Bill |
| Margin | 8 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1640 SHEFFIELD DR, ELGIN, IL 60123-1259 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1640 SHEFFIELD DR, ELGIN, IL 60123-1259 |
| Document Number | 0000074798 |
|---|---|
| Date | Oct 04, 2021 |
| Instrument | 2021K074798 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
Source: Kane County assessment roll as of December 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,301.00 (+15.85%) | ||
| 2024 | $107,595 (+21.39%) Land $26,129 Building $81,466 | $322,914 (+21.44%) Land $78,418 Building $244,496 | |
| 2022 | $7,165.00 (+4.49%) Homeowner's exemption | $88,634 (+6.96%) Land $21,525 Building $67,109 | $265,902 (+6.96%) Land $64,575 Building $201,327 |
| 2021 | $6,857.00 Homeowner's exemption | $82,866 Land $20,124 Building $62,742 | $248,598 Land $60,372 Building $188,226 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, 218 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
| Opiquad Fixed Wireless | 300 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, T-Mobile USA.
Source: EPA Safe Drinking Water Information System, water system IL0894380, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 19 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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