1845 Joseph Ct, Elgin, IL 60123 Property Records

Kane County property record for 1845 Joseph Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,787 sqft · built 1965
Lot Size	0.37 acres (16,115 sqft)
Owner	2 Individual Names on Record
Last Sale	$228,000 (Jun 2020)
Tax Bill	$8,029 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-16-427-012`

Property Details

APN / Parcel Number

Primary APN	`06-16-427-012`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,787 sqft Living Area
Gross Area	2,414 sqft
Basement Area	627 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	16,115 sqft (0.37 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1845 JOSEPH CT
City	ELGIN
State	IL
Zip	60123-5020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY KNOLLS UNIT 8 LOT 7
Legal Subdivision	COUNTRY KNOLLS
Legal Block	3
Legal Lot Number	7
Legal Unit	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3023
Census Tract	851904

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	2 Individual Names on Record
Mailing Address	1845 JOSEPH CT, ELGIN, IL 60123-5020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HEALTHCARE ASSOCIATES CU
Dec 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CO
Jun 11, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Sep 27, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2020 · Amount on Record
Deed Sale	Jun 11, 2020 · Amount on Record
Prior Sale	May 29, 2015 · Amount on Record
Deed Document Number	202030532
Prior Transfer Date	Jan 16, 2013
Prior Transfer Doc	0000019128
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1845 JOSEPH CT, ELGIN, IL 60123-5020
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005583
Date	Feb 21, 2024
Instrument	2024K005583

Lender

Name	HEALTHCARE ASSOCIATES CU
Type	Credit Union
Address	CHICAGO, IL 60653

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 15, 2029

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1845 JOSEPH CT, ELGIN, IL 60123-5020
Transaction Type	Mortgage
Record Updated	Dec 29, 2021
Title Company	NORTH AMERICAN TITLE INSURANCE COMPANY, NORTH AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000094478
Date	Dec 21, 2021
Instrument	2021K094478

Lender

Name	FIRST CENTENNIAL MORTGAGE CO
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.25%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 11, 2020
Property Address	1845 JOSEPH CT, ELGIN, IL 60123-5020
Document Number	0000030532
Instrument Date	Apr 10, 2020
Instrument	2020K030532
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
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	1845 JOSEPH CT, ELGIN, IL 60123-5020
Investor	Possibly a Property Investor

Mortgage

Document Number	0000030533
Date	Jun 11, 2020
Instrument	2020K030533

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1845 JOSEPH CT, ELGIN, IL 60123-5020
Document Number	0000052204
Instrument Date	Sep 27, 2017
Transaction Type	Mortgage
Record Updated	Nov 2, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1845 JOSEPH CT ELGIN IL 601235020, ELGIN, IL 60123-5020

Mortgage

Document Number	0000052204
Date	Oct 4, 2017
Instrument	52204

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2047

Interest

Rate Type	Fixed Rate
Rate	3.99%

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	$8,029.00 (+15.86%) Homeowner's exemption	$113,249 (+8.57%) Land $28,988 Building $84,261	$339,883 (+8.57%) Land $86,999 Building $252,884
2024		$104,310 (+21.39%) Land $26,700 Building $77,610	$313,055 (+21.44%) Land $80,132 Building $232,923
2022	$6,930.00 (+4.49%) Homeowner's exemption	$85,927 (+6.96%) Land $21,994 Building $63,933	$257,781 (+6.96%) Land $65,982 Building $191,799
2021	$6,632.00 Homeowner's exemption	$80,336 Land $20,563 Building $59,773	$241,008 Land $61,689 Building $179,319

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
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 97% of the US · lower than 79% 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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Fox Valley Internet.

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