2375 Cove Ct, Elgin, IL 60123 Property Records

Kane County property record for 2375 Cove Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,542 sqft · built 1998
Owner	2 Individual Names on Record
Last Sale	$296,500 (Sep 2026)
Tax Bill	$5,994 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-331-107`

Property Details

APN / Parcel Number

Primary APN	`06-28-331-107`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,542 sqft Living Area
Gross Area	2,160 sqft
Basement Area	618 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Condo/Apartment
Construction Type	Frame
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2375 COVE CT
City	ELGIN
State	IL
Zip	60123-6586
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BAY CLUB CONDOMINIUM (BLDG 14) UNIT 143-D
Legal Subdivision	WILLOW BAY CLUB CONDO
Legal Block	5
Legal Unit	143-D
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5000
Census Tract	851907

Owner

Source: Kane County records, as of October 13, 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	7740 GREYBIRCH TER, PORT RICHEY, FL 34668-1711
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Apr 20, 2018	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2026 · Amount on Record
Deed Sale	Sep 18, 2026 · Amount on Record
Prior Sale	Apr 20, 2018 · Amount on Record
Deed Document Number	202640724
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 18, 2026
Property Address	2375 COVE CT, ELGIN, IL 60123-6586
Document Number	0000040724
Instrument Date	Sep 1, 2026
Instrument	202640724
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44,919.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7740 GREYBIRCH TER, PORT RICHEY, FL 34668-1711

Mortgage

Document Number	0000040727,
Date	Sep 18, 2026
Instrument	202640727

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2375 COVE CT, ELGIN, IL 60123-6586
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037116
Date	Aug 16, 2019
Instrument	2019K037116

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.5%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 20, 2018
Property Address	2375 COVE CT, ELGIN, IL 60123-6586
Document Number	0000018174
Map Reference	DOC98K020168
Instrument Date	Mar 19, 2018
Instrument	2018K018174
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	BAIRD & WARNER TITLE SVCS IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.50
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	1988 COLLEGE GREEN DR, ELGIN, IL 60123-5614

Mortgage

Document Number	0000018175
Date	Apr 20, 2018
Instrument	2018K018175

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5%

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	$5,994.00 (+4.43%) Homeowner's exemption	$86,569 (+8.57%) Land $17,968 Building $68,601	$259,811 (+8.57%) Land $53,926 Building $205,885
2024	$5,740.00 (+10.92%)	$79,736 (+21.39%) Land $16,550 Building $63,186	$239,304 (+21.44%) Land $49,670 Building $189,634
2022	$5,175.00 (+4.69%) Homeowner's exemption	$65,685 (+6.96%) Land $13,634 Building $52,051	$197,055 (+6.96%) Land $40,902 Building $156,153
2021	$4,943.00 Homeowner's exemption	$61,411 Land $12,747 Building $48,664	$184,233 Land $38,241 Building $145,992

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 · 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	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 360 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Metronet.

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