1855 Joseph Ct, Elgin, IL 60123 Property Records

Kane County property record for 1855 Joseph Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,924 sqft · built 1968
Lot Size	0.322 acres (14,031 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,381 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-16-427-011`

Property Details

APN / Parcel Number

Primary APN	`06-16-427-011`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,924 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Split Level
Construction Type	Frame
Lot Area	14,031 sqft (0.322 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1855 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 8
Legal Subdivision	COUNTRY KNOLLS
Legal Block	3
Legal Lot Number	8
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	1855 JOSEPH CT, ELGIN, IL 60123-5020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1855 JOSEPH CT, ELGIN, IL 60123-5020
Transaction Type	Mortgage
Record Updated	Mar 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 JOSEPH CT, ELGIN, IL 60123-5020

Mortgage

Document Number	0000015020
Date	Mar 17, 2022
Instrument	2022K015020

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.84%
Change Frequency	Monthly

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	$6,381.00 (+13.93%) Homeowner's exemption Senior Citizen's exemption	$99,642 (+8.57%) Land $28,988 Building $70,654	$299,046 (+8.57%) Land $86,999 Building $212,047
2024		$91,777 (+21.39%) Land $26,700 Building $65,077	$275,441 (+21.44%) Land $80,132 Building $195,309
2022	$5,601.00 (+5.2%) Homeowner's exemption	$75,602 (+6.96%) Land $21,994 Building $53,608	$226,806 (+6.96%) Land $65,982 Building $160,824
2021	$5,324.00 Homeowner's exemption	$70,683 Land $20,563 Building $50,120	$212,049 Land $61,689 Building $150,360

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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