1646 Pebble Beach Cir, Elgin, IL 60123 Property Records

Kane County property record for 1646 Pebble Beach Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 911 sqft · built 1990
Lot Size	0.7 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$129,500 (Dec 2020)
Tax Bill	$3,814 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-27-104-045`

Property Details

APN / Parcel Number

Primary APN	`06-27-104-045`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	911 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Lot Area	3,049 sqft (0.7 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1646 PEBBLE BEACH CIR
City	ELGIN
State	IL
Zip	60123-6865
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE GREEN UNIT 6 LOT 471
Legal Subdivision	COLLEGE GREEN
Legal Block	1
Legal Lot Number	471
Legal Unit	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1011
Census Tract	851908

Owner

1646 Pebble Beach Cir is owned and occupied by an individual who bought it in December 2020.

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1646 PEBBLE BEACH CIR, ELGIN, IL 60123-6865
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2020 · Amount on File
Deed Sale	Dec 10, 2020 · Amount on File
Prior Sale	Dec 14, 2015 · Amount on File
Deed Document Number	202076864
Prior Transfer Date	May 30, 1997
Prior Transfer Doc	0000040319
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 10, 2020
Property Address	1646 PEBBLE BEACH CIR, ELGIN, IL 60123-6865
Document Number	0000076864
Map Reference	DOC 90K02290
Instrument Date	Nov 18, 2020
Instrument	2020K076864
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TITLE GUARANTY FUN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$129.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 N AIRLITE ST STE D, D, ELGIN, IL 60123-4967

Mortgage

Document Number	0000076865
Date	Dec 10, 2020
Instrument	2020K076865

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1646 Pebble Beach Cir was $3,814 with a homeowner's exemption.

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	$3,814.00 Homeowner's exemption	$58,001 (+8.57%) Land $17,574 Building $40,427	$174,073 (+8.57%) Land $52,743 Building $121,330
2024		$53,423 Land $16,187 Building $37,236	$160,333 Land $48,580 Building $111,753
2022	$3,295.00 (+5.1%) Homeowner's exemption	$44,009 (+6.96%) Land $13,335 Building $30,674	$132,027 (+6.96%) Land $40,005 Building $92,022
2021	$3,135.00 Homeowner's exemption	$41,145 Land $12,467 Building $28,678	$123,435 Land $37,401 Building $86,034

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

FEMA maps place 1646 Pebble Beach Cir in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1646 Pebble Beach Cir is low, with less than a 0.01% annual chance of 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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