Kane County property record for 1981 Banks Dr, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,238 sqft · built 1978 |
| Lot Size | 0.215 acres (9,347 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $232,000 (Oct 2006) |
| Tax Bill | $6,966 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-04-428-001 |
| Primary APN | 06-04-428-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,238 sqft Living Area |
| Gross Area | 2,476 sqft |
| 1st Floor Area | 1,238 sqft |
| Basement Area | 1,238 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 9,347 sqft (0.215 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Water Source | Commercial |
| Street Address | 1981 BANKS DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-1209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CENTURY OAKS WEST UNIT 5 LOT 304 |
| Legal Subdivision | CENTURY OAKS WEST |
| Legal Block | 1 |
| Legal Lot Number | 304 |
| Legal Unit | 5 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 851910 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1981 BANKS DR, ELGIN, IL 60123-1209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2006 · Amount on Record |
| Deed Sale | Oct 5, 2006 · Amount on Record |
| Prior Sale | Mar 13, 2003 · Amount on Record |
| Deed Document Number | 2006109027 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1981 BANKS DR, ELGIN, IL 60123-1209 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RAVENSWOOD TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000079931 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 2020K079931 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2036 |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,966.00 (+15.85%) Homeowner's exemption | $99,312 (+8.57%) Land $27,754 Building $71,558 | $298,055 (+8.57%) Land $83,295 Building $214,760 |
| 2024 | $91,473 (+21.39%) Land $25,563 Building $65,910 | $274,529 (+21.44%) Land $76,720 Building $197,809 | |
| 2022 | $6,013.00 (+4.57%) Homeowner's exemption | $75,353 (+6.96%) Land $21,058 Building $54,295 | $226,059 (+6.96%) Land $63,174 Building $162,885 |
| 2021 | $5,750.00 Homeowner's exemption | $70,450 Land $19,688 Building $50,762 | $211,350 Land $59,064 Building $152,286 |
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.
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.
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.
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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