1982 N Fork Cir, Elgin, IL 60123 Property Records

Kane County property record for 1982 N Fork Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,512 sqft · built 1983
Lot Size	0.173 acres (7,525 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (May 1998)
Tax Bill	$7,097 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-09-481-033`

Property Details

APN / Parcel Number

Primary APN	`06-09-481-033`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	5 Stories
Building Area	1,512 sqft Living Area
Gross Area	2,520 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Frame
Lot Area	7,525 sqft (0.173 acres)
Lot Width	57 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1982 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 37
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	37
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 July 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	110 WESTOVER LN, SCHAUMBURG, IL 60193-1155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Nov 21, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 1998 · Amount on Record
Deed Sale	May 27, 1998 · Amount on Record
Deed Document Number	199845391
Last Transfer Date	Apr 4, 2025
Transfer Doc	0000013314
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1982 N FORK CIR, ELGIN, IL 60123-2667
Transaction Type	Mortgage
Record Updated	Mar 19, 2026
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1982 N FORK CIR, ELGIN, IL 60123-2667

Mortgage

Document Number	0000009810
Date	Mar 11, 2026
Instrument	2026K009810

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate	5.75%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1982 N FORK CIR, ELGIN, IL 60123-2667
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056659
Date	Nov 21, 2018
Instrument	2018K056659

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 12, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$7,097.00 (+15.85%)	$101,029 (+8.57%) Land $34,594 Building $66,435	$303,208 (+8.57%) Land $103,824 Building $199,385
2024		$93,054 (+21.39%) Land $31,863 Building $61,191	$279,274 (+21.44%) Land $95,627 Building $183,646
2022	$6,126.00 (+4.57%) Homeowner's exemption	$76,655 (+6.96%) Land $26,248 Building $50,407	$229,965 (+6.96%) Land $78,744 Building $151,221
2021	$5,858.00 Homeowner's exemption	$71,667 Land $24,540 Building $47,127	$215,001 Land $73,620 Building $141,381

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	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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