2458 Sandy Stream Ln, Elgin, IL 60124 Property Records

Kane County property record for 2458 Sandy Stream Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,219 sqft · built 2006
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$389,500 (Jan 2007)
Tax Bill	$10,433 (2025)
Deeds & Mortgages	Nov 2017 Reverse Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-20-476-014`

Property Details

APN / Parcel Number

Primary APN	`06-20-476-014`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,219 sqft Living Area
1st Floor Area	2,219 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2458 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 523
Legal Subdivision	EDGEWATER SUB
Legal Phase	2
Legal Block	1
Legal Lot Number	523
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1003
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	Individual Name on Record
Mailing Address	2458 SANDY STREAM LN, ELGIN, IL 60124-4358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2017	Deed of Trust, Mortgage · Reverse Mortgage NOT AVAILABLE
Sep 20, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 12, 2017	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2007 · Amount on Record
Deed Sale	Jan 18, 2007 · Amount on Record
Deed Document Number	20077963
Last Transfer Date	Mar 2, 2010
Transfer Doc	0000045008
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2458 SANDY STREAM LN, ELGIN, IL 60124-4358
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058611
Date	Nov 8, 2017
Instrument	2017K058611

Lender

Name	NOT AVAILABLE
Address	LISLE, IL 60532

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	985 Months
Due	Dec 14, 2099

Interest

Rate Type	Adjustable Rate
Rate	3.98%
Type Change Date	Oct 1, 2018
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2458 SANDY STREAM LN, ELGIN, IL 60124-4358
Document Number	0000058612
Instrument Date	Sep 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2458 SANDY STREAM LN ELGIN IL 601244358, ELGIN, IL 60124-4358

Mortgage

Document Number	0000058612
Date	Nov 8, 2017
Instrument	58612

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	984 Months
Due	Nov 7, 2099

Interest

Rate Type	Adjustable Rate
Rate	3.98%

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Sep 12, 2017
Property Address	2458 SANDY STREAM LN, ELGIN, IL 60124-4358
Document Number	0000047797
Instrument Date	Jul 31, 2017
Instrument	47797
Transaction Type	Transfer
Record Updated	Sep 28, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2458 SANDY STREAM LN ELGIN IL 601244358, ELGIN, IL 60124-4358

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	$10,433.00 (+6.54%) Homeowner's exemption Senior Citizen's exemption	$149,223 (+8.57%) Land $37,376 Building $111,847	$447,848 (+8.57%) Land $112,173 Building $335,675
2024		$137,444 (+21.39%) Land $34,426 Building $103,018	$412,497 (+21.44%) Land $103,319 Building $309,178
2022	$9,793.00 (+3.79%) Homeowner's exemption	$113,222 (+6.96%) Land $28,359 Building $84,863	$339,666 (+6.96%) Land $85,077 Building $254,589
2021	$9,435.00 Homeowner's exemption	$105,855 Land $26,514 Building $79,341	$317,565 Land $79,542 Building $238,023

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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 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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