Kane County property record for 2865 Sarah Ct, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,222 sqft · built 1997 |
| Lot Size | 0.285 acres (12,433 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $258,000 (Oct 2017) |
| Tax Bill | $9,396 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-17-181-019 |
| Primary APN | 06-17-181-019 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,222 sqft Living Area |
| Gross Area | 2,923 sqft |
| Basement Area | 701 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 12,433 sqft (0.285 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 2865 SARAH CT |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-8061 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RANDALL RIDGE UNIT 4 LOT 19 |
| Legal Subdivision | RANDALL RIDGE |
| Legal Block | 4 |
| Legal Lot Number | 19 |
| Legal Unit | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4027 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 2865 SARAH CT, ELGIN, IL 60124-8061 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2021 | Deed of Trust, Mortgage · FHA Mortgage NETWORK CAPITAL FUNDING CORP |
| Oct 10, 2017 | Warranty Deed, Transfer · ARM LEND SMART MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2017 · Amount on Record |
| Deed Sale | Oct 10, 2017 · Amount on Record |
| Prior Sale | Oct 14, 1997 · Amount on Record |
| Deed Document Number | 201753007 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 2865 SARAH CT, ELGIN, IL 60124-8061 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000015565 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 2021K015565 |
| Name | NETWORK CAPITAL FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 10, 2017 |
| Property Address | 2865 SARAH CT, ELGIN, IL 60124-8061 |
| Document Number | 0000053007 |
| Instrument Date | Aug 28, 2017 |
| Instrument | 2017K053007 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | HERITAGE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $258.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 2865 SARAH CT, ELGIN, IL 60124-8061 |
| Document Number | 0000053008 |
|---|---|
| Date | Oct 10, 2017 |
| Instrument | 2017K053008 |
| Name | LEND SMART MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.87% |
| Type Change Date | Oct 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 6% |
| Max Rate At Change | 9.87% |
| Index | 1-Year LIBOR |
| Margin | 6 |
| Max Rate | 13.8% |
Source: Kane County assessment roll, as of December 26, 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 | $9,396.00 (+0.93%) Homeowner's exemption | ||
| 2024 | $125,252 (+21.4%) Land $28,317 Building $96,935 | $375,906 (+21.44%) Land $84,985 Building $290,921 | |
| 2022 | $9,309.00 (+3.46%) Homeowner's exemption | $103,177 (+6.96%) Land $23,326 Building $79,851 | $309,531 (+6.96%) Land $69,978 Building $239,553 |
| 2021 | $8,998.00 Homeowner's exemption | $96,463 Land $21,808 Building $74,655 | $289,389 Land $65,424 Building $223,965 |
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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