181 Dickens Trl, Elgin, IL 60120 Property Records

Cook County property record for 181 Dickens Trl, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,236 sqft · built 1994
Lot Size	0.192 acres (8,340 sqft)
Owner	Individual Name on File
Last Sale	$174,000 (Apr 1999)
Tax Bill	$6,530 (2023)
Deeds & Mortgages	Jun 2026 Line of Credit May 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-17-113-027`

Property Details

APN / Parcel Number

Primary APN	`06-17-113-027`
Alternative APN	`06-17-113-027-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
1st Floor Area	1,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,340 sqft (0.192 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	181 DICKENS TRL
City	ELGIN
State	IL
Zip	60120-5207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 206 IN COUNTRY TRAILS UNIT 3 PA RT OF NW4 OF SEC17 T41N R09E 3P
Legal Range	9E
Legal Township	41N
Legal Section	17
Legal Subdivision	COUNTRY TRAILS UNIT 03 A
Legal Lot Number	206
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	3
Census Block	3018
Census Tract	804404

Owner

181 Dickens Trl is owned and occupied by an individual who bought it in April 1999.

Source: Cook County records, as of June 16, 2026

Owner of Record	Individual Name on File
Mailing Address	181 DICKENS TRL, ELGIN, IL 60120-5207
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK
May 9, 2024	Deed of Trust, Mortgage · Conventional Mortgage BMO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 1999 · Amount on File
Deed Sale	Apr 28, 1999 · Amount on File
Prior Sale	Oct 12, 1994 · Amount on File
Deed Document Number	1999762
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Jun 4, 2026
Property Address	181 DICKENS TRL, ELGIN, IL 60120-5207
Document Number	0000022095
Instrument Date	May 27, 2026
Instrument	202622095
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 DICKENS TRL, ELGIN, IL 60120-5207

Mortgage

Document Number	0000022095,
Date	Jun 4, 2026
Instrument	202622095

Lender

Name	BMO HARRIS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	8.74%
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	181 DICKENS TRL, ELGIN, IL 60120-5207
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 DICKENS TRL, ELGIN, IL 60120-5207

Mortgage

Document Number	0013024304
Date	May 9, 2024
Instrument	2413024304

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

Interest

Rate	7.25%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover 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		$32,000 Land $5,838 Building $26,162	$320,000 Land $58,380 Building $261,620
2023	$6,530.00 (+3.39%)
2022	$6,316.00 Homeowner's exemption	$26,000 Land $4,587 Building $21,413	$260,000 Land $45,870 Building $214,130

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 181 Dickens Trl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 181 Dickens Trl 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 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 483 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

Nearby Properties on Dickens Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures