1645 Pebble Beach Cir, Elgin, IL 60123 Property Records

Kane County property record for 1645 Pebble Beach Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,446 sqft · built 1990
Lot Size	0.092 acres (4,066 sqft)
Owner	Individual Name on Record
Last Sale	$201,000 (Aug 2021)
Tax Bill	$5,219 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage May 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-27-105-051`

Property Details

APN / Parcel Number

Primary APN	`06-27-105-051`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,446 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Lot Area	4,066 sqft (0.092 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1645 PEBBLE BEACH CIR
City	ELGIN
State	IL
Zip	60123-6871
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE GREEN UNIT 6 LOT 409
Legal Subdivision	COLLEGE GREEN
Legal Block	1
Legal Lot Number	409
Legal Unit	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1016
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	Individual Name on Record
Mailing Address	1645 PEBBLE BEACH CIR, ELGIN, IL 60123-6871
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
May 6, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2021 · Amount on Record
Deed Sale	Aug 6, 2021 · Amount on Record
Prior Sale	Oct 7, 1997 · Amount on Record
Deed Document Number	202160070
Prior Transfer Date	Mar 30, 2021
Prior Transfer Doc	0000035530
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 6, 2021
Property Address	1645 PEBBLE BEACH CIR, ELGIN, IL 60123-6871
Document Number	0000060070
Instrument Date	Jul 28, 2021
Instrument	2021K060070
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$201.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1645 PEBBLE BEACH CIR, 1645, ELGIN, IL 60123-6871

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 PEBBLE BEACH CIR, ELGIN, IL 60123-6871

Mortgage

Document Number	0000060071
Date	Aug 6, 2021
Instrument	2021K060071

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	May 6, 2021
Property Address	1645 PEBBLE BEACH CIR, ELGIN, IL 60123-6871
Document Number	0000035530
Instrument Date	Mar 30, 2021
Instrument	2021K035530
Transaction Type	Transfer
Record Updated	May 17, 2021

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	1645 PEBBLE BEACH CIR, ELGIN, IL 60123-6871

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	$5,219.00 (+15.8%) Homeowner's exemption	$76,418 (+8.57%) Land $17,012 Building $59,406	$229,346 (+8.57%) Land $51,056 Building $178,289
2024		$70,386 (+21.39%) Land $15,669 Building $54,717	$211,242 (+21.44%) Land $47,026 Building $164,217
2022	$4,507.00 (+4.79%) Homeowner's exemption	$57,982 (+6.96%) Land $12,908 Building $45,074	$173,946 (+6.96%) Land $38,724 Building $135,222
2021	$4,301.00 Homeowner's exemption	$54,209 Land $12,068 Building $42,141	$162,627 Land $36,204 Building $126,423

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	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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