2432 Daybreak Ct, Elgin, IL 60123 Property Records

Kane County property record for 2432 Daybreak Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,252 sqft · built 2002
Owner	2 Individual Names on File
Last Sale	$212,000 (Feb 2022)
Tax Bill	$5,245 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-33-375-047`

Property Details

APN / Parcel Number

Primary APN	`06-33-375-047`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,252 sqft Living Area
Gross Area	1,878 sqft
Basement Area	626 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Condo/Apartment
Construction Type	Frame

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2432 DAYBREAK CT
City	ELGIN
State	IL
Zip	60123-8847
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MULBERRY GROVE CONDO - 2002K108843 (09-04-02) UNIT 178-3-711-2432 BLDG 178
Legal Subdivision	MULBERRY GROVE CONDO
Legal Block	5
Legal Unit	178-3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5014
Census Tract	851907

Owner

2432 Daybreak Ct is owned and occupied by two individuals who bought it in February 2022.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2432 DAYBREAK CT, ELGIN, IL 60123-8847
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Feb 16, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2022 · Amount on File
Deed Sale	Feb 4, 2022 · Amount on File
Prior Sale	Feb 16, 2021 · Amount on File
Deed Document Number	20227051
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 4, 2022
Property Address	2432 DAYBREAK CT, ELGIN, IL 60123-8847
Document Number	0000007051
Instrument Date	Oct 29, 2021
Instrument	2022K007051
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2432 DAYBREAK CT, ELGIN, IL 60123-8847

Mortgage

Document Number	0000007052
Date	Feb 4, 2022
Instrument	2022K007052

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 16, 2021
Property Address	2432 DAYBREAK CT, ELGIN, IL 60123-8847
Document Number	0000011736
Map Reference	DOC 2002K074566
Instrument Date	Feb 8, 2021
Instrument	2021K011736
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FOX TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4372 JOHN MILTON RD, 4372, ELGIN, IL 60124-8644

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2432 DAYBREAK CT # 2432, 2432, ELGIN, IL 60123-8847

Mortgage

Document Number	0000011737
Date	Feb 16, 2021
Instrument	2021K011737

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 2432 Daybreak Ct was $5,245 with a homeowner's exemption, up 4.5% from the year before.

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	$5,245.00 (+4.54%) Homeowner's exemption	$76,761 (+8.57%) Land $20,470 Building $56,291	$230,375 (+8.57%) Land $61,435 Building $168,941
2024	$5,017.00	$70,702 Land $18,854 Building $51,848	$212,191 Land $56,585 Building $155,606
2022	$4,529.00 (-6.77%) Homeowner's exemption	$58,242 (+6.96%) Land $15,531 Building $42,711	$174,726 (+6.96%) Land $46,593 Building $128,133
2021	$4,858.00	$54,452 Land $14,520 Building $39,932	$163,356 Land $43,560 Building $119,796

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 2432 Daybreak Ct 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	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

The area around 2432 Daybreak Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Fox Valley Internet, Metronet, Verizon.

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