2205 Clipper Ct, Elgin, IL 60123 Property Records

Kane County property record for 2205 Clipper Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,486 sqft · built 1997
Lot Size	0.231 acres (10,076 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,000 (Jan 2017)
Tax Bill	$11,251 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-409-007`

Property Details

APN / Parcel Number

Primary APN	`06-28-409-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,486 sqft Living Area
Gross Area	3,729 sqft
Basement Area	1,243 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Construction Type	Frame
Lot Area	10,076 sqft (0.231 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	2205 CLIPPER CT
City	ELGIN
State	IL
Zip	60123-6550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 1 (WILLOW BAY) LOT 638
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	638
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3003
Census Tract	851907

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	2 Individual Names on Record
Mailing Address	2205 CLIPPER CT, ELGIN, IL 60123-6550
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 18, 2017	Warranty Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2017 · Amount on Record
Deed Sale	Jan 18, 2017 · Amount on Record
Prior Sale	Jul 18, 2003 · Amount on Record
Deed Document Number	20173186
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2205 CLIPPER CT, ELGIN, IL 60123-6550
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073498
Date	Nov 30, 2020
Instrument	2020K073498

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Feb 1, 2047

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 18, 2017
Property Address	2205 CLIPPER CT, ELGIN, IL 60123-6550
Document Number	0000003186
Map Reference	DOC95K049954
Instrument Date	Dec 23, 2016
Instrument	2017K003186
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITL

Transaction

Amount	Amount Recorded
Tax	$269.00
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	435 JEFFRSON ST, HANOVER PARK, IL 60133

Mortgage

Document Number	0000003187
Date	Jan 18, 2017
Instrument	2017K003187

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

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	$11,251.00 (+15.89%) Homeowner's exemption	$155,477 (+8.57%) Land $30,744 Building $124,733	$466,618 (+8.57%) Land $92,269 Building $374,349
2024		$143,204 (+21.39%) Land $28,317 Building $114,887	$429,784 (+21.44%) Land $84,985 Building $344,799
2022	$9,708.00 (+4.34%) Homeowner's exemption	$117,966 (+6.96%) Land $23,326 Building $94,640	$353,898 (+6.96%) Land $69,978 Building $283,920
2021	$9,304.00 Homeowner's exemption	$110,290 Land $21,808 Building $88,482	$330,870 Land $65,424 Building $265,446

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	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	SOUTH ELGIN serves 23,648 people · EPA ID IL0890800
Water Source	Groundwater
Last State Inspection	Apr 2024
Also Mapped Here	ELGIN
Lead	1 ppb (2026) action level 15 ppb
Copper	1.5 mg/L (2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Barium not recorded as resolved · Apr 2026
Treatment and Procedure	Corrosion control Jul 2025
Monitoring and Reporting	5 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 477 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	100 / 20

May also be available: Metronet.

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