1990 Royal Blvd, Elgin, IL 60123 Property Records

Kane County property record for 1990 Royal Blvd, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,280 sqft · built 1988
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Jun 2011)
Tax Bill	$9,621 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-276-001`

Property Details

APN / Parcel Number

Primary APN	`06-09-276-001`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,280 sqft Living Area
Gross Area	3,420 sqft
Basement Area	1,140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1990 ROYAL BLVD
City	ELGIN
State	IL
Zip	60123-2529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 9 LOT 424
Legal Subdivision	VALLEY CREEK
Legal Block	2
Legal Lot Number	424
Legal Unit	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2000
Census Tract	851910

Owner

1990 Royal Blvd is owned and occupied by two individuals who bought it in June 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	1990 ROYAL BLVD, ELGIN, IL 60123-2529
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
Feb 22, 2024	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEW PENN FINANCIAL LLC
Jun 28, 2017	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 27, 2020	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2011 · Amount on File
Deed Sale	Jun 30, 2011 · Amount on File
Deed Document Number	201138575
Prior Transfer Date	Apr 4, 2000
Prior Transfer Doc	0000026251
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1990 ROYAL BLVD, ELGIN, IL 60123-2529
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1990 ROYAL BLVD, ELGIN, IL 60123-2529

Mortgage

Document Number	0000005715
Date	Feb 22, 2024
Instrument	2024K005715

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1990 ROYAL BLVD, ELGIN, IL 60123-2529
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029557
Date	Apr 15, 2021
Instrument	2021K029557

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	350 Months
Due	Jun 1, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1990 ROYAL BLVD, ELGIN, IL 60123-2529
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033235
Date	Jun 28, 2017
Instrument	2017K033235

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2047

Interest

Rate	4.25%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1990 ROYAL BLVD, ELGIN, IL 60123-2529
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027074
Date	May 27, 2020
Instrument	2020K027074

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1990 Royal Blvd was $9,621 with exemptions applied.

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	$9,621.00 Homeowner's exemption Senior Citizen's exemption	$142,115 (+8.57%) Land $34,594 Building $107,521	$426,516 (+8.57%) Land $103,824 Building $322,692
2024		$130,897 Land $31,863 Building $99,034	$392,848 Land $95,627 Building $297,221
2022	$8,396.00 (+4.79%) Homeowner's exemption	$107,829 (+6.96%) Land $26,248 Building $81,581	$323,487 (+6.96%) Land $78,744 Building $244,743
2021	$8,012.00 Homeowner's exemption	$100,812 Land $24,540 Building $76,272	$302,436 Land $73,620 Building $228,816

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 1990 Royal Blvd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	2 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

Wildfire risk around 1990 Royal Blvd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 367 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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