264 Spring Cove Dr, Elgin, IL 60123 Property Records

Kane County property record for 264 Spring Cove Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,058 sqft · built 1960
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Company Names on Record
Last Sale	$260,000 (Nov 2003)
Tax Bill	$8,759 (2025)
Deeds & Mortgages	Apr 2024 Transfer Jan 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-15-101-044`

Property Details

APN / Parcel Number

Primary APN	`06-15-101-044`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,058 sqft Living Area
Gross Area	5,396 sqft
1st Floor Area	3,058 sqft
Basement Area	2,338 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Pool Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	264 SPRING COVE DR
City	ELGIN
State	IL
Zip	60123-3264
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING COVE SUB - LOT 7 & LOT 8 DESC IN DOC 2003K201019 - 11-18-2003
Legal Subdivision	SPRING COVE SUB
Legal Block	1
Legal Lot Number	7,8
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	264 SPRING COVE DR, ELGIN, IL 60123-3264
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 16, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLIED FIRST BANK SB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2003 · Amount on Record
Deed Sale	Nov 18, 2003 · Amount on Record
Deed Document Number	2003201019
Last Transfer Date	Apr 5, 2024
Transfer Doc	0000011836
Record Updated	Sep 20, 2026

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Apr 11, 2024
Property Address	264 SPRING COVE DR, ELGIN, IL 60123-3264
Document Number	0000011836
Instrument Date	Apr 5, 2024
Instrument	2024K011836
Transaction Type	Transfer
Record Updated	Apr 17, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	264 SPRING COVE DR, ELGIN, IL 60123-3264

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jan 16, 2024
Property Address	264 SPRING COVE DR, ELGIN, IL 60123-3264
Document Number	0000001518
Instrument Date	Jan 10, 2024
Instrument	2024K001518
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	264 SPRING COVE DR, ELGIN, IL 60123-3264

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	264 SPRING COVE DR, ELGIN, IL 60123-3264
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045035
Date	Jun 14, 2021
Instrument	2021K045035

Lender

Name	ALLIED FIRST BANK SB
Type	Bank
Address	CHICAGO, IL 60643

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.25%

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	$8,759.00 (+4.86%)	$130,813 (+8.57%) Land $38,887 Building $91,926	$392,596 (+8.57%) Land $116,708 Building $275,888
2024		$120,487 (+21.39%) Land $35,817 Building $84,670	$361,606 (+21.44%) Land $107,494 Building $254,112
2022	$8,353.00 (+0.91%) Homeowner's exemption	$99,253 (+6.96%) Land $29,505 Building $69,748	$297,759 (+6.96%) Land $88,515 Building $209,244
2021	$8,278.00	$92,794 Land $27,585 Building $65,209	$278,382 Land $82,755 Building $195,627

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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