2120 Savannah Rd, Elgin, IL 60123 Property Records

Kane County property record for 2120 Savannah Rd, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,091 sqft · built 1986
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$393,000 (Mar 2024)
Tax Bill	$8,774 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-09-452-001`

Property Details

APN / Parcel Number

Primary APN	`06-09-452-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,091 sqft Living Area
Gross Area	2,818 sqft
Basement Area	727 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2120 SAVANNAH RD
City	ELGIN
State	IL
Zip	60123-2655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 1 LOT 151
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	151
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3017
Census Tract	851909

Owner

2120 Savannah Rd is owned and occupied by two individuals who bought it in March 2024.

Source: Kane County records, as of August 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2120 SAVANNAH RD, ELGIN, IL 60123-2655
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE
Mar 18, 2024	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2024 · Amount on File
Deed Sale	Mar 18, 2024 · Amount on File
Prior Sale	Nov 13, 2003 · Amount on File
Deed Document Number	20248722
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jul 27, 2026
Property Address	2120 SAVANNAH RD, ELGIN, IL 60123-2655
Document Number	0000031953
Instrument Date	Jul 16, 2026
Instrument	202631953
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	2120 SAVANNAH RD, ELGIN, IL 60123-2655

Mortgage

Document Number	0000031953,
Date	Jul 27, 2026
Instrument	202631953

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.25%
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 18, 2024
Property Address	2120 SAVANNAH RD, ELGIN, IL 60123-2655
Document Number	0000008722
Instrument Date	Feb 15, 2024
Instrument	2024K008722
Transaction Type	Transfer
Record Updated	Mar 25, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$393.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2120 SAVANNAH RD, ELGIN, IL 60123-2655

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2120 SAVANNAH RD, ELGIN, IL 60123-2655

Mortgage

Document Number	0000008723
Date	Mar 18, 2024
Instrument	2024K008723

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	7.12%

Tax Assessment & Valuation

The 2025 property tax bill for 2120 Savannah Rd was $8,774.

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	$8,774.00	$123,012 (+8.57%) Land $34,594 Building $88,418	$369,184 (+8.57%) Land $103,824 Building $265,360
2024		$113,302 Land $31,863 Building $81,439	$340,042 Land $95,627 Building $244,415
2022	$7,572.00 (+4.46%) Homeowner's exemption	$93,335 (+6.96%) Land $26,248 Building $67,087	$280,005 (+6.96%) Land $78,744 Building $201,261
2021	$7,249.00 Homeowner's exemption	$87,262 Land $24,540 Building $62,722	$261,786 Land $73,620 Building $188,166

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 2120 Savannah Rd in Zone X, an area of minimal flood risk.

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	3 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 2120 Savannah Rd 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 99.1% of the US · lower than 94% 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 543 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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