Kane County property record for 260 Spring Cove Dr, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,467 sqft · built 1983 |
| Owner | 2 Individual Names on File |
| Last Sale | $246,000 (Jun 2020) |
| Tax Bill | $10,593 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage Sep 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-15-101-026 |
| Primary APN | 06-15-101-026 |
|---|
| 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 |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Width | 40 ft Width |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 260 SPRING COVE DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-3264 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING COVE LOT 6 |
| Legal Subdivision | SPRING COVE |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 851909 |
Source: Kane County records, as of October 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 260 SPRING COVE DR, ELGIN, IL 60123-3264 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Jun 24, 2020 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 1, 2017 | Deed of Trust, Mortgage · Line of Credit ST CHARLES BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2020 · Amount on File |
| Deed Sale | Jun 24, 2020 · Amount on File |
| Deed Document Number | 202033256 |
| Prior Transfer Date | Sep 8, 2015 |
| Prior Transfer Doc | 0000050205 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 24, 2020 |
| Property Address | 260 SPRING COVE DR, ELGIN, IL 60123-3264 |
| Document Number | 0000033256 |
| Instrument Date | Jun 1, 2020 |
| Instrument | 2020K033256 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $246.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Document Number | 0000033257 |
|---|---|
| Date | Jun 24, 2020 |
| Instrument | 2020K033257 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 260 SPRING COVE DR, ELGIN, IL 60123-3264 |
| Document Number | 0000049841 |
| Instrument Date | Sep 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 260 SPRING COVE DR ELGIN IL 601233264, ELGIN, IL 60123-3264 |
| Document Number | 0000049841 |
|---|---|
| Date | Sep 22, 2017 |
| Instrument | 49841 |
| Name | ST CHARLES BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, IL 60174 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,593.00 (+4.02%) Homeowner's exemption | $146,860 (+8.57%) Land $33,657 Building $113,203 | $440,756 (+8.57%) Land $101,011 Building $339,745 |
| 2024 | $10,184.00 (+11.41%) | $135,267 (+21.39%) Land $31,000 Building $104,267 | $405,963 (+21.44%) Land $93,037 Building $312,926 |
| 2022 | $9,141.00 (+4.36%) Homeowner's exemption | $111,428 (+6.96%) Land $25,537 Building $85,891 | $334,284 (+6.96%) Land $76,611 Building $257,673 |
| 2021 | $8,759.00 Homeowner's exemption | $104,177 Land $23,875 Building $80,302 | $312,531 Land $71,625 Building $240,906 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 406 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 |
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