2316 Vineyard Ct, Elgin, IL 60123 Property Records

Kane County property record for 2316 Vineyard Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,627 sqft · built 1999
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Jun 2002)
Tax Bill	$8,750 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-28-404-014`

Property Details

APN / Parcel Number

Primary APN	`06-28-404-014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,627 sqft Living Area
Gross Area	2,544 sqft
Basement Area	917 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Frame
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2316 VINEYARD CT
City	ELGIN
State	IL
Zip	60123-6544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTLAND MEADOWS UNIT 9 (WILLOW BAY) LOT 627
Legal Subdivision	HEARTLAND MEADOWS
Legal Block	3
Legal Lot Number	627
Legal Unit	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3004
Census Tract	851907

Owner

Source: Kane County records, as of July 23, 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	2316 VINEYARD CT, ELGIN, IL 60123-6544
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 18, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2002 · Amount on File
Deed Sale	Jun 17, 2002 · Amount on File
Prior Sale	May 14, 1999 · Amount on File
Deed Document Number	200275728
Last Transfer Date	Feb 25, 2008
Transfer Doc	0000026717
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 22, 2026
Property Address	2316 VINEYARD CT, ELGIN, IL 60123-6544
Document Number	0000016170
Instrument Date	Apr 16, 2026
Instrument	202616170
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2316 VINEYARD CT, ELGIN, IL 60123-6544

Mortgage

Document Number	0000016170,
Date	Apr 22, 2026
Instrument	202616170

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.22%
Max Rate	-1%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 18, 2026
Property Address	2316 VINEYARD CT, ELGIN, IL 60123-6544
Document Number	0000010885
Map Reference	DOC 96K046771
Instrument Date	Feb 11, 2026
Instrument	2026K010885
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4208 LE MANS DR, MARRERO, LA 70072-6265

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2316 VINEYARD CT, ELGIN, IL 60123-6544

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	$8,750.00 (+4.12%) Homeowner's exemption	$122,698 (+8.57%) Land $30,744 Building $91,954	$368,241 (+8.57%) Land $92,269 Building $275,972
2024	$8,404.00 (+11.28%)	$113,013 (+21.4%) Land $28,317 Building $84,696	$339,175 (+21.44%) Land $84,985 Building $254,190
2022	$7,552.00 (+4.47%) Homeowner's exemption	$93,095 (+6.96%) Land $23,326 Building $69,769	$279,285 (+6.96%) Land $69,978 Building $209,307
2021	$7,229.00 Homeowner's exemption	$87,037 Land $21,808 Building $65,229	$261,111 Land $65,424 Building $195,687

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	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 231 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
Starlink Satellite	280 / 30
Fox Valley Internet Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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