1898 Natchez Trce, Elgin, IL 60123 Property Records

Kane County property record for 1898 Natchez Trce, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,860 sqft · built 1980
Lot Size	0.249 acres (10,829 sqft)
Owner	Company Name on Record
Tax Bill	$8,829 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-479-003`

Property Details

APN / Parcel Number

Primary APN	`06-09-479-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,860 sqft Living Area
Gross Area	3,720 sqft
1st Floor Area	1,860 sqft
Basement Area	1,860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Lot Area	10,829 sqft (0.249 acres)
Lot Dimensions	119 ft deep x 91 ft wide
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1898 NATCHEZ TRCE
City	ELGIN
State	IL
Zip	60123-2666
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 1 LOT 189
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	189
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3000
Census Tract	851909

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	Company Name on Record
Mailing Address	1898 NATCHEZ TRCE, ELGIN, IL 60123-2666
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Jan 5, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KANE COUNTY TEACHERS CU
Feb 14, 2022	Intrafamily Transfer, Transfer ATTORNEY
May 7, 2020	Quit Claim Deed, Transfer · Conventional Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 20, 2022
Transfer Doc	0000008755
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1898 NATCHEZ TRCE, ELGIN, IL 60123-2666
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006666
Date	Feb 18, 2026
Instrument	2026K006666

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 17, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1898 NATCHEZ TRCE, ELGIN, IL 60123-2666
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000917
Date	Jan 5, 2022
Instrument	2022K000917

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 11, 2032

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Feb 14, 2022
Property Address	1898 NATCHEZ TRCE, ELGIN, IL 60123-2666
Document Number	0000008755
Instrument Date	Jan 20, 2022
Instrument	2022K008755
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1898 NATCHEZ TRCE, ELGIN, IL 60123-2666

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	May 7, 2020
Property Address	1898 NATCHEZ TRCE, ELGIN, IL 60123-2666
Document Number	0000023163
Instrument Date	Apr 7, 2020
Instrument	2020K023163
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1898 NATCHEZ TRCE, ELGIN, IL 60123-2666

Mortgage

Document Number	0000023164
Date	May 7, 2020
Instrument	2020K023164

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

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	$8,829.00 (+15.87%) Homeowner's exemption	$123,734 (+8.57%) Land $34,594 Building $89,140	$371,351 (+8.57%) Land $103,824 Building $267,527
2024		$113,967 (+21.39%) Land $31,863 Building $82,104	$342,038 (+21.44%) Land $95,627 Building $246,411
2022	$7,620.00 (+4.46%) Homeowner's exemption	$93,883 (+6.96%) Land $26,248 Building $67,635	$281,649 (+6.96%) Land $78,744 Building $202,905
2021	$7,295.00 Homeowner's exemption	$87,774 Land $24,540 Building $63,234	$263,322 Land $73,620 Building $189,702

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
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

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 96% of the US · lower than 74% 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 264 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	100 / 20

May also be available: T-Mobile.

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