250 Spring Cove Dr, Elgin, IL 60123 Property Records

Kane County property record for 250 Spring Cove Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,467 sqft · built 1984
Lot Size	0.114 acres (4,973 sqft)
Owner	2 Company Names on Record
Last Sale	$325,000 (Jun 2018)
Tax Bill	$9,884 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-15-101-021`

Property Details

APN / Parcel Number

Primary APN	`06-15-101-021`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	5 Stories
Building Area	2,467 sqft Living Area
Gross Area	3,977 sqft
Basement Area	1,510 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Frame
Foundation Type	Raised
Lot Area	4,973 sqft (0.114 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	250 SPRING COVE DR
City	ELGIN
State	IL
Zip	60123-3264
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING COVE LOT 1
Legal Subdivision	SPRING COVE
Legal Block	1
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1016
Census Tract	851909

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	2 Company Names on Record
Mailing Address	250 SPRING COVE DR, ELGIN, IL 60123-3264
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 20, 2018	Affidavit of Death, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Mar 22, 2017	Warranty Deed, Transfer · Conventional Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2018 · Amount on Record
Deed Sale	Jun 20, 2018 · Amount on Record
Prior Sale	Mar 22, 2017 · Amount on Record
Deed Document Number	201828986
Prior Transfer Date	May 14, 2018
Prior Transfer Doc	0000028986
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	250 SPRING COVE DR, ELGIN, IL 60123-3264
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047203
Date	Aug 21, 2020
Instrument	2020K047203

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

June 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	KANE IL
Recording Date	Jun 20, 2018
Property Address	250 SPRING COVE DR, ELGIN, IL 60123-3264
Document Number	0000028986
Instrument Date	May 14, 2018
Instrument	2018K028986
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TITLE GUARANTY FUN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
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
Relationship	Family Trust
Address	250 SPRING COVE DR, ELGIN, IL 60123-3264

Mortgage

Document Number	0000028987
Date	Jun 20, 2018
Instrument	2018K028987

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 22, 2017
Property Address	250 SPRING COVE DR, ELGIN, IL 60123-3264
Document Number	0000014466
Instrument Date	Mar 16, 2017
Instrument	2017K014466
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TITLE GUARANTY FUN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
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	250 SPRING COVE DR, ELGIN, IL 60123-3264

Mortgage

Document Number	0000014468
Date	Mar 22, 2017
Instrument	2017K014468

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate	4.25%

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	$9,884.00 (+14.64%) Homeowner's exemption Senior Citizen's exemption	$145,559 (+8.57%) Land $33,657 Building $111,902	$436,852 (+8.57%) Land $101,011 Building $335,840
2024		$134,069 (+21.39%) Land $31,000 Building $103,069	$402,368 (+21.44%) Land $93,037 Building $309,331
2022	$8,622.00 (+4.76%) Homeowner's exemption	$110,442 (+6.96%) Land $25,537 Building $84,905	$331,326 (+6.96%) Land $76,611 Building $254,715
2021	$8,230.00 Homeowner's exemption	$103,255 Land $23,875 Building $79,380	$309,765 Land $71,625 Building $238,140

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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 95% of the US · lower than 70% 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 355 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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