2823 Edgewater Dr, Elgin, IL 60124 Property Records

Kane County property record for 2823 Edgewater Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,246 sqft · built 2008
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$203,500 (Jun 2008)
Tax Bill	$6,861 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-29-131-011`

Property Details

APN / Parcel Number

Primary APN	`06-29-131-011`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,246 sqft Living Area
1st Floor Area	1,246 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Lot Width	42 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2823 EDGEWATER DR
City	ELGIN
State	IL
Zip	60124-3112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGEWATER SUB PHASE 3 LT 647
Legal Subdivision	EDGEWATER SUB
Legal Phase	3
Legal Block	2
Legal Lot Number	647
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2028
Census Tract	851913

Owner

Source: Kane County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2823 EDGEWATER DR, ELGIN, IL 60124-3112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2008 · Amount on Record
Deed Sale	Jun 19, 2008 · Amount on Record
Deed Document Number	200851454
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2823 EDGEWATER DR, ELGIN, IL 60124-3112
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078952
Date	Dec 17, 2020
Instrument	2020K078952

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	237 Months
Due	Sep 1, 2040

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 2025

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	$6,861.00 (+14.05%) Homeowner's exemption Senior Citizen's exemption
2024		$97,576 (+21.39%) Land $32,196 Building $65,380	$292,845 (+21.44%) Land $96,627 Building $196,218
2022	$6,016.00 (+5.12%) Homeowner's exemption	$80,380 (+6.96%) Land $26,522 Building $53,858	$241,140 (+6.96%) Land $79,566 Building $161,574
2021	$5,723.00 Homeowner's exemption	$75,149 Land $24,796 Building $50,353	$225,447 Land $74,388 Building $151,059

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	Not rated no burnable land within 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 459 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 · DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20