186 Westgate Dr, Elgin, IL 60123 Property Records

Kane County property record for 186 Westgate Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,694 sqft · built 1971
Lot Size	0.404 acres (17,595 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Oct 2025)
Tax Bill	$8,404 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-16-127-004`

Property Details

APN / Parcel Number

Primary APN	`06-16-127-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	5 Stories
Building Area	1,694 sqft Living Area
Gross Area	2,823 sqft
Basement Area	1,129 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Frame
Lot Area	17,595 sqft (0.404 acres)
Lot Dimensions	207 ft deep x 85 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	186 WESTGATE DR
City	ELGIN
State	IL
Zip	60123-4941
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY KNOLLS UNIT 16 LOT 296
Legal Subdivision	COUNTRY KNOLLS
Legal Block	3
Legal Lot Number	296
Legal Unit	16
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3013
Census Tract	851904

Owner

186 Westgate Dr is owned by two individuals who bought it in October 2025.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	2256 DORCHESTER CT, ELGIN, IL 60123-5645
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on File
Deed Sale	Oct 10, 2025 · Amount on File
Deed Document Number	202539851
Prior Transfer Date	Oct 23, 2001
Prior Transfer Doc	0000030240
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Oct 10, 2025
Property Address	186 WESTGATE DR, ELGIN, IL 60123-4941
Document Number	0000039851
Instrument Date	Oct 10, 2025
Instrument	2025K039851
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	UNKNOWN, CT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	186 WESTGATE DR, ELGIN, IL 60123-4941

Mortgage

Document Number	0000039852
Date	Oct 10, 2025
Instrument	2025K039852

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 17, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 186 Westgate Dr was $8,404, up 4.8% from the year before.

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	$8,404.00 (+4.8%) Homeowner's exemption Senior Citizen's exemption	$126,168 (+8.57%) Land $37,751 Building $88,417	$378,655 (+8.57%) Land $113,298 Building $265,357
2024	$8,019.00 Homeowner's exemption	$116,209 Land $34,771 Building $81,438	$348,767 Land $104,355 Building $244,412
2022	$7,346.00 (+4.9%) Homeowner's exemption	$95,729 (+6.96%) Land $28,643 Building $67,086	$287,187 (+6.96%) Land $85,929 Building $201,258
2021	$7,003.00 Homeowner's exemption	$89,500 Land $26,779 Building $62,721	$268,500 Land $80,337 Building $188,163

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 186 Westgate Dr 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	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

Wildfire risk around 186 Westgate Dr 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 211 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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