1991 Castle Pines Cir, Elgin, IL 60123 Property Records

Kane County property record for 1991 Castle Pines Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,288 sqft · built 1990
Lot Size	0.218 acres (9,482 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Jul 2022)
Tax Bill	$9,051 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-201-014`

Property Details

APN / Parcel Number

Primary APN	`06-28-201-014`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,288 sqft Living Area
Gross Area	3,432 sqft
Basement Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Lot Area	9,482 sqft (0.218 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1991 CASTLE PINES CIR
City	ELGIN
State	IL
Zip	60123-6850
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE GREEN UNIT 4 LOT 190
Legal Subdivision	COLLEGE GREEN
Legal Block	1
Legal Lot Number	190
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1022
Census Tract	851908

Owner

1991 Castle Pines Cir is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1991 CASTLE PINES CIR, ELGIN, IL 60123-6850
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
Jul 14, 2022	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Feb 21, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIFTH THIRD BANK WESTERN MICHIGAN
Apr 13, 2021	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2022 · Amount on File
Deed Sale	Jul 14, 2022 · Amount on File
Prior Sale	Dec 10, 2007 · Amount on File
Deed Document Number	202236225
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 14, 2022
Property Address	1991 CASTLE PINES CIR, ELGIN, IL 60123-6850
Document Number	0000036225
Instrument Date	Jun 22, 2022
Instrument	2022K036225
Transaction Type	Transfer
Record Updated	Jul 20, 2022
Title Company	NOT AVAILABLE, MULTIPLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
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	1991 CASTLE PINES CIR, ELGIN, IL 60123-6850

Mortgage

Document Number	0000036226
Date	Jul 14, 2022
Instrument	2022K036226

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate	5.62%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1991 CASTLE PINES CIR, ELGIN, IL 60123-6850
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009442
Date	Feb 21, 2017
Instrument	2017K009442

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2047

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1991 CASTLE PINES CIR, ELGIN, IL 60123-6850
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028871
Date	Apr 13, 2021
Instrument	2021K028871

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Feb 25, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1991 Castle Pines Cir was $9,051 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	$9,051.00 Homeowner's exemption	$126,648 (+8.57%) Land $28,368 Building $98,280	$380,096 (+8.57%) Land $85,138 Building $294,958
2024		$116,651 Land $26,129 Building $90,522	$350,093 Land $78,418 Building $271,675
2022	$7,812.00 (+4.44%) Homeowner's exemption	$96,094 (+6.96%) Land $21,525 Building $74,569	$288,282 (+6.96%) Land $64,575 Building $223,707
2021	$7,480.00 Homeowner's exemption	$89,841 Land $20,124 Building $69,717	$269,523 Land $60,372 Building $209,151

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 1991 Castle Pines Cir 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

Wildfire risk around 1991 Castle Pines Cir 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 98% of the US · lower than 86% 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 429 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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