2020 Muirfield Cir, Elgin, IL 60123 Property Records

Kane County property record for 2020 Muirfield Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,143 sqft · built 1992
Lot Size	0.106 acres (4,626 sqft)
Owner	Individual Name on Record
Last Sale	$101,000 (Aug 2021)
Tax Bill	$4,873 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Aug 2021 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-204-033`

Property Details

APN / Parcel Number

Primary APN	`06-28-204-033`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,143 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Frame
Lot Area	4,626 sqft (0.106 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2020 MUIRFIELD CIR
City	ELGIN
State	IL
Zip	60123-5622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE GREEN UNIT 8 LOT 657
Legal Subdivision	COLLEGE GREEN
Legal Block	1
Legal Lot Number	657
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 23, 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	2020 MUIRFIELD CIR, ELGIN, IL 60123-5622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL CU
Aug 10, 2021	Warranty Deed, Transfer · Line of Credit HOMESIDE FINANCIAL LLC
Feb 6, 2017	Warranty Deed, Transfer · ARM PLATINUM HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2021 · Amount on Record
Deed Sale	Aug 10, 2021 · Amount on Record
Prior Sale	Feb 6, 2017 · Amount on Record
Deed Document Number	202160811
Prior Transfer Date	Aug 6, 2021
Prior Transfer Doc	0000060811
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2020 MUIRFIELD CIR, ELGIN, IL 60123-5622
Transaction Type	Mortgage
Record Updated	Oct 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073896
Date	Sep 29, 2021
Instrument	2021K073896

Lender

Name	FIRST FINANCIAL CU
Type	Credit Union
Address	SKOKIE, IL 60077

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 10, 2021
Property Address	2020 MUIRFIELD CIR, ELGIN, IL 60123-5622
Document Number	0000060811
Instrument Date	Aug 6, 2021
Instrument	2021K060811
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$101.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 MUIRFIELD CIR, ELGIN, IL 60123-5622

Mortgage

Document Number	0000060812
Date	Aug 10, 2021
Instrument	2021K060812

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 6, 2017
Property Address	2020 MUIRFIELD CIR, ELGIN, IL 60123-5622
Document Number	0000006914
Map Reference	DOC90K56795
Instrument Date	Jan 26, 2017
Instrument	2017K006914
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	936 COTTONWOOD LN, 936, BARTLETT, IL 60103-5813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1461 FOXRNOOR LANE, ELGIN, IL 60123

Mortgage

Document Number	0000006915
Date	Feb 6, 2017
Instrument	2017K006915

Lender

Name	PLATINUM HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	9.37%
Type Change Date	Feb 1, 2020
Change Frequency	Annually
Min Rate At Change	7.37%
Max Rate At Change	11.3%
Index	1-Year LIBOR
Margin	6
Max Rate	15.3%

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	$4,873.00 (+15.8%) Homeowner's exemption	$71,879 (+8.57%) Land $18,505 Building $53,374	$215,723 (+8.57%) Land $55,537 Building $160,186
2024		$66,205 (+21.39%) Land $17,044 Building $49,161	$198,694 (+21.44%) Land $51,152 Building $147,542
2022	$4,208.00 (+4.86%) Homeowner's exemption	$54,537 (+6.96%) Land $14,040 Building $40,497	$163,611 (+6.96%) Land $42,120 Building $121,491
2021	$4,013.00 Homeowner's exemption	$50,988 Land $13,126 Building $37,862	$152,964 Land $39,378 Building $113,586

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

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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