2870 Sarah Ct, Elgin, IL 60124 Property Records

Kane County property record for 2870 Sarah Ct, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,225 sqft · built 1996
Lot Size	0.277 acres (12,057 sqft)
Owner	2 Individual Names on Record
Last Sale	$288,500 (Sep 2020)
Tax Bill	$9,878 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-17-181-012`

Property Details

APN / Parcel Number

Primary APN	`06-17-181-012`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,225 sqft Living Area
Gross Area	2,925 sqft
Basement Area	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,057 sqft (0.277 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2870 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 12
Legal Subdivision	RANDALL RIDGE
Legal Block	4
Legal Lot Number	12
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4027
Census Tract	851904

Owner

Source: Kane County records, as of July 23, 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	2870 SARAH CT, ELGIN, IL 60124-8061
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	Sep 21, 2020 · Amount on Record
Deed Sale	Sep 21, 2020 · Amount on Record
Prior Sale	Jul 3, 2014 · Amount on Record
Deed Document Number	202054571
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 21, 2020
Property Address	2870 SARAH CT, ELGIN, IL 60124-8061
Document Number	0000054571
Instrument Date	Jul 1, 2020
Instrument	2020K054571
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$288.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2870 SARAH CT, ELGIN, IL 60124-8061

Mortgage

Document Number	0000054572
Date	Sep 21, 2020
Instrument	2020K054572

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2050

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,878.00 (+7.66%) Homeowner's exemption	$134,138 (+8.57%) Land $30,744 Building $103,394	$402,575 (+8.57%) Land $92,269 Building $310,306
2024		$123,550 (+21.39%) Land $28,317 Building $95,233	$370,798 (+21.44%) Land $84,985 Building $285,813
2022	$9,175.00 (+3.47%) Homeowner's exemption	$101,776 (+6.96%) Land $23,326 Building $78,450	$305,328 (+6.96%) Land $69,978 Building $235,350
2021	$8,867.00 Homeowner's exemption	$95,153 Land $21,808 Building $73,345	$285,459 Land $65,424 Building $220,035

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
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.

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 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