1996 Muirfield Cir, Elgin, IL 60123 Property Records

Kane County property record for 1996 Muirfield Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,254 sqft · built 1992
Lot Size	0.56 acres (2,420 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (Jan 2018)
Tax Bill	$4,587 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-204-044`

Property Details

APN / Parcel Number

Primary APN	`06-28-204-044`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,254 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Frame
Lot Area	2,420 sqft (0.56 acres)
Lot Dimensions	110 ft deep x 22 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1996 MUIRFIELD CIR
City	ELGIN
State	IL
Zip	60123-5621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE GREEN UNIT 8 LOT 668
Legal Subdivision	COLLEGE GREEN
Legal Block	1
Legal Lot Number	668
Legal Unit	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1018
Census Tract	851908

Owner

Source: Kane County records, as of July 21, 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	1996 MUIRFIELD CIR, ELGIN, IL 60123-5621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CREDIT UNION 1
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jan 31, 2018	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2018 · Amount on Record
Deed Sale	Jan 31, 2018 · Amount on Record
Prior Sale	Jan 8, 2004 · Amount on Record
Deed Document Number	20185223
Prior Transfer Date	Dec 8, 2006
Prior Transfer Doc	0000134698
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1996 MUIRFIELD CIR, ELGIN, IL 60123-5621
Transaction Type	Mortgage
Record Updated	Feb 26, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006478
Date	Feb 18, 2026
Instrument	2026K006478

Lender

Name	CREDIT UNION 1
Type	Credit Union
Address	LOMBARD, IL 60148

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2041

Interest

Rate Type	Fixed Rate
Rate	7%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1996 MUIRFIELD CIR, ELGIN, IL 60123-5621
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021037
Date	Mar 17, 2021
Instrument	2021K021037

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 31, 2018
Property Address	1996 MUIRFIELD CIR, ELGIN, IL 60123-5621
Document Number	0000005223
Instrument Date	Jan 23, 2018
Instrument	2018K005223
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$147.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1996 MUIRFIELD CIR, ELGIN, IL 60123-5621

Mortgage

Document Number	0000005224
Date	Jan 31, 2018
Instrument	2018K005224

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 2025

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	$4,587.00 (+15.77%) Homeowner's exemption
2024		$62,755 (+21.39%) Land $16,187 Building $46,568	$188,340 (+21.44%) Land $48,580 Building $139,760
2022	$3,962.00 (+4.93%) Homeowner's exemption	$51,696 (+6.96%) Land $13,335 Building $38,361	$155,088 (+6.96%) Land $40,005 Building $115,083
2021	$3,776.00 Homeowner's exemption	$48,332 Land $12,467 Building $35,865	$144,996 Land $37,401 Building $107,595

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

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

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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