1978 N Fork Cir, Elgin, IL 60123 Property Records

Kane County property record for 1978 N Fork Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,404 sqft · built 1980
Lot Size	0.209 acres (9,105 sqft)
Owner	Individual Name on Record
Last Sale	$392,000 (Sep 2026)
Tax Bill	$8,024 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-09-481-031`

Property Details

APN / Parcel Number

Primary APN	`06-09-481-031`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
Gross Area	2,808 sqft
1st Floor Area	1,404 sqft
Basement Area	1,404 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Lot Area	9,105 sqft (0.209 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1978 N FORK CIR
City	ELGIN
State	IL
Zip	60123-2667
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 1 LOT 39
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	39
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3030
Census Tract	851909

Owner

Source: Kane County records, as of September 11, 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	280 HICKORY LN, SOUTH ELGIN, IL 60177-2303
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2026 · Amount on Record
Deed Sale	Sep 3, 2026 · Amount on Record
Prior Sale	Aug 2, 2011 · Amount on Record
Deed Document Number	202638296
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 3, 2026
Property Address	1978 N FORK CIR, ELGIN, IL 60123-2667
Document Number	0000038296
Instrument Date	Aug 8, 2026
Instrument	202638296
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,388.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 HICKORY LN, SOUTH ELGIN, IL 60177-2303

Mortgage

Document Number	0000038297,
Date	Sep 3, 2026
Instrument	202638297

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1978 N FORK CIR, ELGIN, IL 60123-2667
Transaction Type	Mortgage
Record Updated	Jul 14, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049917
Date	Jun 29, 2021
Instrument	2021K049917

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2041

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	$8,024.00 (+15.85%) Homeowner's exemption	$113,186 (+8.57%) Land $34,594 Building $78,592	$339,694 (+8.57%) Land $103,824 Building $235,870
2024		$104,251 (+21.39%) Land $31,863 Building $72,388	$312,878 (+21.44%) Land $95,627 Building $217,251
2022	$6,926.00 (+4.5%) Homeowner's exemption	$85,879 (+6.96%) Land $26,248 Building $59,631	$257,637 (+6.96%) Land $78,744 Building $178,893
2021	$6,628.00 Homeowner's exemption	$80,291 Land $24,540 Building $55,751	$240,873 Land $73,620 Building $167,253

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 October 8, 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	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	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 543 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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