1952 Banks Dr, Elgin, IL 60123 Property Records

Kane County property record for 1952 Banks Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,091 sqft · built 1986
Lot Size	0.201 acres (8,750 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Dec 2021)
Tax Bill	$8,763 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-04-200-042`

Property Details

APN / Parcel Number

Primary APN	`06-04-200-042`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,091 sqft Living Area
Gross Area	3,065 sqft
Basement Area	974 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Frame
Lot Area	8,750 sqft (0.201 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1952 BANKS DR
City	ELGIN
State	IL
Zip	60123-1269
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDSORS CENTURY OAKS WEST LOT 30
Legal Subdivision	WINDSORS CENTURY OAKS WEST
Legal Block	1
Legal Lot Number	30
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1005
Census Tract	851910

Owner

1952 Banks Dr is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1952 BANKS DR, ELGIN, IL 60123-1269
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 21, 2021	Warranty Deed, Transfer · FHA Mortgage WINTRUST MORTGAGE
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage BLUELEAF LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2021 · Amount on File
Deed Sale	Dec 21, 2021 · Amount on File
Prior Sale	Jun 7, 2016 · Amount on File
Deed Document Number	202194428
Prior Transfer Date	Nov 6, 2012
Prior Transfer Doc	0000081602
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 21, 2021
Property Address	1952 BANKS DR, ELGIN, IL 60123-1269
Document Number	0000094428
Instrument Date	Nov 22, 2021
Instrument	2021K094428
Transaction Type	Transfer
Record Updated	Dec 29, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
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	1952 BANKS DR, ELGIN, IL 60123-1269

Mortgage

Document Number	0000094429
Date	Dec 21, 2021
Instrument	2021K094429

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

Mortgage

Document Number	0000094430
Date	Dec 21, 2021
Instrument	2021K094430

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1952 BANKS DR, ELGIN, IL 60123-1269
Document Number	0000019355
Instrument Date	Mar 23, 2020
Transaction Type	Mortgage
Record Updated	Jul 8, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1952 BANKS DR ELGIN IL 601231269, ELGIN, IL 60123-1269

Mortgage

Document Number	0000019355
Date	Apr 17, 2020
Instrument	19355

Lender

Name	BLUELEAF LNDG
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1952 Banks Dr was $8,763 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	$8,763.00 Homeowner's exemption	$122,868 (+8.57%) Land $28,124 Building $94,744	$368,752 (+8.57%) Land $84,406 Building $284,346
2024		$113,169 Land $25,904 Building $87,265	$339,643 Land $77,743 Building $261,900
2022	$7,563.00 (+4.46%) Homeowner's exemption	$93,225 (+6.96%) Land $21,339 Building $71,886	$279,675 (+6.96%) Land $64,017 Building $215,658
2021	$7,240.00 Homeowner's exemption	$87,158 Land $19,950 Building $67,208	$261,474 Land $59,850 Building $201,624

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 1952 Banks Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1952 Banks Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20

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

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