220 Dickens Trl, Elgin, IL 60120 Property Records

Cook County property record for 220 Dickens Trl, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,748 sqft · built 1998
Lot Size	0.212 acres (9,251 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Feb 2020)
Tax Bill	$6,817 (2023)
Deeds & Mortgages	Oct 2026 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-17-112-031`

Property Details

APN / Parcel Number

Primary APN	`06-17-112-031`
Alternative APN	`06-17-112-031-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,748 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1999
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,251 sqft (0.212 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	220 DICKENS TRL
City	ELGIN
State	IL
Zip	60120-5208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 167 IN COUNTRY TRAILS UNIT 3 PA RT OF NW4 OF SEC17 T41N R09E 3P
Legal Range	9E
Legal Township	41N
Legal Section	17
Legal Subdivision	COUNTRY TRAILS UNIT 03
Legal Lot Number	167
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	3
Census Block	3014
Census Tract	804404

Owner

Source: Cook County records, as of May 27, 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	220 DICKENS TRL, ELGIN, IL 60120-5208
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Feb 3, 2020	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE AFFINITY LLC
Aug 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2020 · Amount on Record
Deed Sale	Feb 3, 2020 · Amount on Record
Prior Sale	Nov 20, 2014 · Amount on Record
Deed Document Number	202013043
Prior Transfer Date	Dec 7, 2001
Prior Transfer Doc	0000084533
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Oct 14, 2026
Property Address	220 DICKENS TRL, ELGIN, IL 60120-5208
Document Number	0000031152
Instrument Date	Oct 7, 2026
Instrument	202628731152
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 DICKENS TRL, ELGIN, IL 60120-5208

Mortgage

Document Number	0000031152,
Date	Oct 14, 2026
Instrument	202628731152

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	220 DICKENS TRL, ELGIN, IL 60120-5208
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028701096
Date	Oct 14, 2021
Instrument	2128701096

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Feb 3, 2020
Property Address	220 DICKENS TRL, ELGIN, IL 60120-5208
Document Number	2003413043
Instrument Date	Dec 13, 2019
Instrument	3413043
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	220 DICKENS TRL ELGIN IL 601205208, ELGIN, IL 60120-5208

Mortgage

Document Number	2003413044
Date	Feb 3, 2020
Instrument	3413044

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	220 DICKENS TRL, ELGIN, IL 60120-5208
Document Number	1822019163
Instrument Date	Aug 1, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	220 DICKENS TRL ELGIN IL 601205208, ELGIN, IL 60120-5208

Mortgage

Document Number	1822019163
Date	Aug 8, 2018
Instrument	22019163

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2048

Interest

Rate	4.95%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover 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		$36,000 (+33.34%) Land $6,476 Building $29,524	$360,000 (+33.34%) Land $64,760 Building $295,240
2023	$6,817.00 (+3.37%)
2022	$6,595.00 Homeowner's exemption	$26,999 Land $5,088 Building $21,911	$269,990 Land $50,880 Building $219,110

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 February 11, 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

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

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 483 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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