2451 Sandy Stream Ln, Elgin, IL 60124 Property Records

Kane County property record for 2451 Sandy Stream Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,177 sqft · built 2006
Lot Size	0.24 acres (10,454 sqft)
Owner	Company Name on Record
Last Sale	$265,000 (Aug 2019)
Tax Bill	$10,102 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jul 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-20-478-005`

Property Details

APN / Parcel Number

Primary APN	`06-20-478-005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,177 sqft Living Area
1st Floor Area	2,177 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2451 SANDY STREAM LN
City	ELGIN
State	IL
Zip	60124-4358
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGEWATER SUB PHASE 2 LT 565
Legal Subdivision	EDGEWATER SUB
Legal Phase	2
Legal Block	1
Legal Lot Number	565
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
Census Tract	851913

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	Company Name on Record
Mailing Address	2451 SANDY STREAM LN, ELGIN, IL 60124-4358
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage · Line of Credit HERITAGE BANK OF SCHAUMBURG
Jul 10, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 6, 2019	Warranty Deed, Transfer · Line of Credit HERITAGE BK/SCHAUMBURG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2019 · Amount on Record
Deed Sale	Aug 6, 2019 · Amount on Record
Prior Sale	Oct 18, 2006 · Amount on Record
Deed Document Number	201934994
Last Transfer Date	May 15, 2020
Transfer Doc	0000037125
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2451 SANDY STREAM LN, ELGIN, IL 60124-4358
Transaction Type	Mortgage
Record Updated	Apr 28, 2022
Title Company	PRAIRIE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021908
Date	Apr 22, 2022
Instrument	2022K021908

Lender

Name	HERITAGE BANK OF SCHAUMBURG
Type	Bank
Address	SCHAUMBURG, IL 60194

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Min Rate At Change	3.5%
Max Rate	21%

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jul 10, 2020
Property Address	2451 SANDY STREAM LN, ELGIN, IL 60124-4358
Document Number	0000037125
Instrument Date	May 15, 2020
Instrument	37125
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2451 SANDY STREAM LN ELGIN IL 601244358, ELGIN, IL 60124-4358

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 6, 2019
Property Address	2451 SANDY STREAM LN, ELGIN, IL 60124-4358
Document Number	0000034994
Instrument Date	Jun 24, 2019
Instrument	34994
Transaction Type	Transfer
Record Updated	Aug 16, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$397.50
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1613 WATERVILLE LN SCHAUMBURG IL 601944512, SCHAUMBURG, IL 60194-4512

Mortgage

Document Number	34995
Date	Aug 6, 2019
Instrument	34995

Lender

Name	HERITAGE BK/SCHAUMBURG
Type	Bank
Address	SCHAUMBURG, IL 60194

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Aug 5, 2020

Interest

Rate Type	Adjustable Rate
Rate	5.5%

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,102.00 (+6.51%) Homeowner's exemption Senior Citizen's exemption	$144,997 (+8.57%) Land $36,571 Building $108,426	$435,165 (+8.57%) Land $109,757 Building $325,408
2024		$133,551 (+21.39%) Land $33,684 Building $99,867	$400,813 (+21.44%) Land $101,092 Building $299,721
2022	$9,485.00 (+3.82%) Homeowner's exemption	$110,015 (+6.96%) Land $27,748 Building $82,267	$330,045 (+6.96%) Land $83,244 Building $246,801
2021	$9,136.00 Homeowner's exemption	$102,856 Land $25,942 Building $76,914	$308,568 Land $77,826 Building $230,742

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 98% of the US · lower than 86% 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 422 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
AT&T Fiber	1,000 / 1,000
Fox Valley Internet Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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