176 Westgate Dr, Elgin, IL 60123 Property Records

Kane County property record for 176 Westgate Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,236 sqft · built 1971
Lot Size	0.438 acres (19,076 sqft)
Owner	2 Individual Names on Record
Last Sale	$244,000 (Mar 2017)
Tax Bill	$9,136 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-16-127-005`

Property Details

APN / Parcel Number

Primary APN	`06-16-127-005`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,236 sqft Living Area
1st Floor Area	2,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Level
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	19,076 sqft (0.438 acres)
Lot Dimensions	212 ft deep x 90 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	176 WESTGATE DR
City	ELGIN
State	IL
Zip	60123-4941
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY KNOLLS UNIT 16 LOT 297
Legal Subdivision	COUNTRY KNOLLS
Legal Block	3
Legal Lot Number	297
Legal Unit	16
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3013
Census Tract	851904

Owner

Source: Kane County records, as of July 21, 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	176 WESTGATE DR, ELGIN, IL 60123-4941
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · VA Mortgage CIBM BANK
Mar 21, 2017	Warranty Deed, Transfer · VA Mortgage CIBM BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2017 · Amount on Record
Deed Sale	Mar 21, 2017 · Amount on Record
Prior Sale	Aug 20, 2008 · Amount on Record
Deed Document Number	201714229
Prior Transfer Date	Jan 27, 2005
Prior Transfer Doc	0000011049
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	176 WESTGATE DR, ELGIN, IL 60123-4941
Transaction Type	Mortgage
Record Updated	Mar 25, 2021
Title Company	PRECISION TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018559
Date	Mar 10, 2021
Instrument	2021K018559

Lender

Name	CIBM BANK
Type	Bank
Address	NAPERVILLE, IL 60563

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.5%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 21, 2017
Property Address	176 WESTGATE DR, ELGIN, IL 60123-4941
Document Number	0000014229
Instrument Date	Mar 17, 2017
Instrument	2017K014229
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$244.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	176 WESTGATE DR, ELGIN, IL 60123-4941

Mortgage

Document Number	0000014230
Date	Mar 21, 2017
Instrument	2017K014230

Lender

Name	CIBM BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$9,136.00 (+15.08%) Homeowner's exemption
2024		$118,442 (+21.39%) Land $34,771 Building $83,671	$355,468 (+21.44%) Land $104,355 Building $251,113
2022	$7,939.00 (+4.42%) Homeowner's exemption	$97,568 (+6.96%) Land $28,643 Building $68,925	$292,704 (+6.96%) Land $85,929 Building $206,775
2021	$7,603.00 Homeowner's exemption	$91,219 Land $26,779 Building $64,440	$273,657 Land $80,337 Building $193,320

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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