Cook County property record for 282 Chaparral Cir, Elgin, IL 60120
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 1.5 ba · 1,361 sqft · built 1996 |
| Lot Size | 0.13 acres (5,659 sqft) |
| Owner | Individual Name on File |
| Last Sale | $178,500 (Nov 2019) |
| Tax Bill | $6,188 (2023) |
| Deeds & Mortgages | Mar 2022 Mortgage Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-17-310-088 |
| Primary APN | 06-17-310-088 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,361 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Modern |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 5,659 sqft (0.13 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 282 CHAPARRAL CIR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-4854 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Range | 9E |
| Legal Township | 41N |
| Legal Section | 17 |
| Legal Subdivision | WOODLAND CRK |
| Legal Lot Number | 13 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 804405 |
Source: Cook County records · APN 06-17-310-088
Assessment roll updated May 27, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 282 CHAPARRAL CIR, ELGIN, IL 60120-4854 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 09, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Nov 22, 2019 | Warranty Deed, Transfer · Conventional with PMI EMERALD MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 22, 2019 · Amount on Record |
| Deed Sale | Nov 22, 2019 · Amount on Record |
| Prior Sale | Oct 21, 2009 · Amount on Record |
| Deed Document Number | 20198391 |
| Prior Transfer Date | Jan 25, 2003 |
| Prior Transfer Doc | 0000002003 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 282 CHAPARRAL CIR, ELGIN, IL 60120-4854 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0006807646 |
|---|---|
| Date | Mar 09, 2022 |
| Instrument | 2206807646 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 01, 2042 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Nov 22, 2019 |
| Property Address | 282 CHAPARRAL CIR, ELGIN, IL 60120-4854 |
| Document Number | 1932608391 |
| Instrument Date | Jul 22, 2019 |
| Instrument | 32608391 |
| Transaction Type | Transfer |
| Record Updated | Dec 09, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $178.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 920 PRESTON AVE ELGIN IL 601203027, ELGIN, IL 60120-3027 |
| Document Number | 1932608392 |
|---|---|
| Date | Nov 22, 2019 |
| Instrument | 32608392 |
| Name | EMERALD MTG |
|---|---|
| Type | Mortgage Company |
| Address | FOX RIVER GROVE, IL 60021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 21, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.57% |
Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $21,000 (-2.32%) Land $3,961 Building $17,039 | $210,000 (-2.32%) Land $39,610 Building $170,390 | |
| 2023 | $6,188.00 (+2.89%) | ||
| 2022 | $6,014.00 | $21,499 Land $2,999 Building $18,500 | $214,990 Land $29,990 Building $185,000 |
Source: FEMA National Flood Hazard Layer, Cook County (17031C), as of February 11, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Opiquad Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 289 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system IL0894380, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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