188 Dickens Trl, Elgin, IL 60120 Property Records

Cook County property record for 188 Dickens Trl, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,942 sqft · built 1995
Lot Size	0.224 acres (9,750 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Sep 2021)
Tax Bill	$8,059 (2023)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-17-117-001`

Property Details

APN / Parcel Number

Primary APN	`06-17-117-001`
Alternative APN	`06-17-117-001-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,942 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1996
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,750 sqft (0.224 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	188 DICKENS TRL
City	ELGIN
State	IL
Zip	60120-5206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L176 COUNTRY TRAILS UNIT 3 NW1/4 S1 7 T41N R09E
Legal Range	9E
Legal Township	41N
Legal Section	17
Legal Subdivision	COUNTRY TRAILS UNIT 03
Legal Lot Number	176
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	3
Census Block	3017
Census Tract	804404

Owner

Source: Cook County records, as of August 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	188 DICKENS TRL, ELGIN, IL 60120-5206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICE LINK LP, SERVICE LINK
Jul 23, 2025	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Sep 29, 2021	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2021 · Amount on Record
Deed Sale	Sep 29, 2021 · Amount on Record
Prior Sale	Jun 23, 2004 · Amount on Record
Deed Document Number	202110280
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Aug 19, 2026
Property Address	188 DICKENS TRL, ELGIN, IL 60120-5206
Document Number	0000029124
Instrument Date	Jun 12, 2026
Instrument	202629124
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	SERVICE LINK LP, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 DICKENS TRL, ELGIN, IL 60120-5206

Mortgage

Document Number	0000029124,
Date	Aug 19, 2026
Instrument	202629124

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	302 Months
Due	Oct 1, 2051

Interest

Max Rate	-1%

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	188 DICKENS TRL, ELGIN, IL 60120-5206
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 DICKENS TRL, ELGIN, IL 60120-5206

Mortgage

Document Number	0020424370
Date	Jul 23, 2025
Instrument	2520424370

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Oct 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Sep 29, 2021
Property Address	188 DICKENS TRL, ELGIN, IL 60120-5206
Document Number	0027210280
Map Reference	DOC 92230087
Instrument Date	Sep 21, 2021
Instrument	2127210280
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
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	188 DICKENS TRL, ELGIN, IL 60120-5206

Mortgage

Document Number	0027210281
Date	Sep 29, 2021
Instrument	2127210281

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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		$35,000 (+25%) Land $6,825 Building $28,175	$350,000 (+25%) Land $68,250 Building $281,750
2023	$8,059.00 (+2.9%)
2022	$7,832.00 Homeowner's exemption Senior Citizen's exemption	$27,999 Land $5,362 Building $22,637	$279,990 Land $53,620 Building $226,370

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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