1856 Virginia Ct, Elgin, IL 60123 Property Records

Kane County property record for 1856 Virginia Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,756 sqft · built 1967
Lot Size	0.276 acres (12,035 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,261 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-09-229-011`

Property Details

APN / Parcel Number

Primary APN	`06-09-229-011`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,756 sqft Living Area
Gross Area	3,752 sqft
1st Floor Area	1,756 sqft
Basement Area	1,996 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Frame
Lot Area	12,035 sqft (0.276 acres)
Lot Width	115 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1856 VIRGINIA CT
City	ELGIN
State	IL
Zip	60123-1941
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 5 LOT 17 BLOCK 15
Legal Subdivision	EAGLE HEIGHTS
Legal Block	15
Legal Lot Number	17
Legal Unit	5-17
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3004
Census Tract	851910

Owner

1856 Virginia Ct is owned and occupied by two individuals who acquired it in January 2007.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1856 VIRGINIA CT, ELGIN, IL 60123-1941
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage KANE COUNTY TEACHERS CU
Jun 21, 2019	Warranty Deed, Transfer · Conventional Mortgage KANE COUNTY TEACHERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 19, 2007
Transfer Doc	0000006332
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1856 VIRGINIA CT, ELGIN, IL 60123-1941
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HALLMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078295
Date	Dec 15, 2020
Instrument	2020K078295

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 21, 2019
Property Address	1856 VIRGINIA CT, ELGIN, IL 60123-1941
Document Number	0000026006
Instrument Date	May 29, 2019
Instrument	2019K026006
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1856 VIRGINIA CT, ELGIN, IL 60123-1941

Mortgage

Document Number	0000026007
Date	Jun 21, 2019
Instrument	2019K026007

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1856 Virginia Ct was $7,261 with a homeowner's exemption.

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	$7,261.00 Homeowner's exemption	$103,187 (+8.57%) Land $28,058 Building $75,129	$309,685 (+8.57%) Land $84,208 Building $225,477
2024		$95,042 Land $25,843 Building $69,199	$285,240 Land $77,560 Building $207,680
2022	$6,268.00 (+4.55%) Homeowner's exemption	$78,292 (+6.96%) Land $21,288 Building $57,004	$234,876 (+6.96%) Land $63,864 Building $171,012
2021	$5,995.00 Homeowner's exemption	$73,198 Land $19,903 Building $53,295	$219,594 Land $59,709 Building $159,885

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

Flood

FEMA maps place 1856 Virginia Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	3 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · 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

Wildfire risk around 1856 Virginia Ct 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 367 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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