Kane County property record for 2845 Colonial Dr, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,235 sqft · built 1993 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $230,000 (Feb 2015) |
| Tax Bill | $9,992 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-17-179-003 |
| Primary APN | 06-17-179-003 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,235 sqft Living Area |
| Gross Area | 3,305 sqft |
| Basement Area | 1,070 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Construction Type | Frame |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 2845 COLONIAL DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-8041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RANDALL RIDGE UNIT 3 LOT 33 |
| Legal Subdivision | RANDALL RIDGE |
| Legal Block | 4 |
| Legal Lot Number | 33 |
| Legal Unit | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 851904 |
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 | 2845 COLONIAL DR, ELGIN, IL 60124-8041 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 8, 2022 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 24, 2020 | Deed of Trust, Mortgage · VA Mortgage STEARNS LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2015 · Amount on Record |
| Deed Sale | Feb 5, 2015 · Amount on Record |
| Prior Sale | Feb 10, 2003 · Amount on Record |
| Deed Document Number | 20155888 |
| Prior Transfer Date | Apr 12, 2010 |
| Prior Transfer Doc | 0000026667 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 2845 COLONIAL DR, ELGIN, IL 60124-8041 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000030037 |
|---|---|
| Date | Jun 8, 2022 |
| Instrument | 2022K030037 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 2845 COLONIAL DR, ELGIN, IL 60124-8041 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000031167 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 2021K031167 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 2845 COLONIAL DR, ELGIN, IL 60124-8041 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERU M |
| Name | Verified Name |
|---|
| Document Number | 0000020423 |
|---|---|
| Date | Apr 24, 2020 |
| Instrument | 2020K020423 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Rate | 3.25% |
|---|
Source: Kane County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | Central Community Unit School District 301 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,992.00 (+7.66%) Homeowner's exemption | ||
| 2024 | $124,892 (+21.39%) Land $28,317 Building $96,575 | $374,826 (+21.44%) Land $84,985 Building $289,841 | |
| 2022 | $9,281.00 (+3.47%) Homeowner's exemption | $102,881 (+6.96%) Land $23,326 Building $79,555 | $308,643 (+6.96%) Land $69,978 Building $238,665 |
| 2021 | $8,970.00 Homeowner's exemption | $96,186 Land $21,808 Building $74,378 | $288,558 Land $65,424 Building $223,134 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2000) |
| Most Recent Claim | Jun 2000 |
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 | 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.
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 315 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 | 100 / 20 |
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