1796 Sheffield Dr, Elgin, IL 60123 Property Records

Kane County property record for 1796 Sheffield Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,750 sqft · built 1977
Lot Size	0.214 acres (9,334 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Jul 2022)
Tax Bill	$6,348 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-04-426-009`

Property Details

APN / Parcel Number

Primary APN	`06-04-426-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,750 sqft Living Area
1st Floor Area	1,750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	9,334 sqft (0.214 acres)
Lot Dimensions	176 ft deep x 103 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1796 SHEFFIELD DR
City	ELGIN
State	IL
Zip	60123-1262
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS WEST UNIT 4 LOT 189
Legal Subdivision	CENTURY OAKS WEST
Legal Block	1
Legal Lot Number	189
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1018
Census Tract	851910

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	1796 SHEFFIELD DR, ELGIN, IL 60123-1262
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jul 8, 2022	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Jul 27, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Prior Sale	Jul 27, 2021 · Amount on Record
Prior Transfer Date	Feb 25, 2016
Prior Transfer Doc	0000009310
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1796 SHEFFIELD DR, ELGIN, IL 60123-1262
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1796 SHEFFIELD DR, ELGIN, IL 60123-1262

Mortgage

Document Number	0000027248
Date	Aug 9, 2023
Instrument	2023K027248

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Jul 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 8, 2022
Property Address	1796 SHEFFIELD DR, ELGIN, IL 60123-1262
Document Number	0000035154
Instrument Date	Jun 30, 2022
Instrument	2022K035154
Transaction Type	Transfer
Record Updated	Jul 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1796 SHEFFIELD DR, 1796, ELGIN, IL 60123-1262

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1796 SHEFFIELD DR, ELGIN, IL 60123-1262

Mortgage

Document Number	0000035155
Date	Jul 8, 2022
Instrument	2022K035155

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.75%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 27, 2021
Property Address	1796 SHEFFIELD DR, ELGIN, IL 60123-1262
Document Number	0000057437
Instrument Date	Jun 28, 2021
Instrument	2021K057437
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1796 SHEFFIELD DR, ELGIN, IL 60123-1262

Mortgage

Document Number	0000057438
Date	Jul 27, 2021
Instrument	2021K057438

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 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	$6,348.00 (-3.32%) Homeowner's exemption Senior Citizen's exemption
2024		$99,208 (+21.39%) Land $25,563 Building $73,645	$297,743 (+21.44%) Land $76,720 Building $221,023
2022	$6,566.00 (+4.54%) Homeowner's exemption	$81,725 (+6.96%) Land $21,058 Building $60,667	$245,175 (+6.96%) Land $63,174 Building $182,001
2021	$6,281.00 Homeowner's exemption	$76,407 Land $19,688 Building $56,719	$229,221 Land $59,064 Building $170,157

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 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 218 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
Fox Valley Internet Fixed Wireless	300 / 60
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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