20 Garden Crescent Ct, Elgin, IL 60123 Property Records

Kane County property record for 20 Garden Crescent Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,374 sqft · built 1990
Owner	2 Company Names on File
Last Sale	$135,000 (Jan 2015)
Tax Bill	$2,135 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-10-413-004`

Property Details

APN / Parcel Number

Primary APN	`06-10-413-004`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,374 sqft Living Area
Gross Area	2,531 sqft
1st Floor Area	1,374 sqft
Basement Area	1,157 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Condo/Apartment
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	20 GARDEN CRESCENT CT
City	ELGIN
State	IL
Zip	60123-2700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REGENCY WOODS CONDOS OF ELGIN PHASE 1 UNIT 20
Legal Subdivision	REGENCY WOODS CONDOS OF ELGIN
Legal Phase	1
Legal Block	2
Legal Lot Number	E
Legal Unit	20
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2020
Census Tract	851000

Owner

20 Garden Crescent Ct is owned by a company that bought it in January 2015 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	20 GARDEN CRESCENT CT, ELGIN, IL 60123-2700
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2015 · Amount on File
Deed Sale	Jan 16, 2015 · Amount on File
Prior Sale	May 11, 2012 · Amount on File
Deed Document Number	20152706
Prior Transfer Date	Dec 10, 1996
Prior Transfer Doc	0000091392
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	20 GARDEN CRESCENT CT, ELGIN, IL 60123-2700
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046785
Date	Nov 25, 2025
Instrument	2025K046785

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 7, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 20 Garden Crescent Ct was $2,135 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	$2,135.00 Homeowner's exemption Senior Citizen's exemption	$76,569 (+8.57%) Land $14,118 Building $62,451	$229,799 (+8.57%) Land $42,371 Building $187,428
2024		$70,525 Land $13,004 Building $57,521	$211,660 Land $39,028 Building $172,632
2022	$2,860.00 (-2.82%) Homeowner's exemption	$58,096 (+6.96%) Land $10,712 Building $47,384	$174,288 (+6.96%) Land $32,136 Building $142,152
2021	$2,943.00 Homeowner's exemption	$54,316 Land $10,015 Building $44,301	$162,948 Land $30,045 Building $132,903

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 20 Garden Crescent Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2014 · rainfall accumulation

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

The area around 20 Garden Crescent Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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 302 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: T-Mobile.

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