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291 Nautical Way, Elgin, IL 60123 Property Records

Kane County property record for 291 Nautical Way, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,330 sqft · built 1993
Owner2 Individual Names on Record
Last Sale$172,000 (Jun 2020)
Tax Bill$4,935 (2025)
Deeds & MortgagesJun 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-21-126-024

Property Details

APN / Parcel Number

Primary APN06-21-126-024

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,330 sqft Living Area
Gross Area1,995 sqft
Basement Area665 sqft

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1993
Architectural StyleCondo/Apartment
Construction TypeFrame
Garage TypeAttached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address291 NAUTICAL WAY
CityELGIN
StateIL
Zip60123-4410
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWINDMERE COVE CONDOS BUILDING 11 UNIT A
Legal SubdivisionWINDMERE COVE CONDOS
Legal Block2
Legal Lot Number2
Legal UnitA
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group2
Census Block2017
Census Tract851908

Owner

291 Nautical Way is owned and occupied by two individuals who bought it in June 2020.

Source: Kane County records, as of July 23, 2026

Owner of Record2 Individual Names on Record
Mailing Address291 NAUTICAL WAY, ELGIN, IL 60123-4410
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 29, 2020 · Amount on Record
Deed SaleJun 29, 2020 · Amount on Record
Prior SaleJun 9, 2008 · Amount on Record
Deed Document Number202034393
Prior Transfer DateMar 28, 2008
Prior Transfer Doc0000048350
Record UpdatedOct 29, 2026

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateJun 29, 2020
Property Address291 NAUTICAL WAY, ELGIN, IL 60123-4410
Document Number0000034393
Map ReferenceDOC 93K38042
Instrument DateJun 16, 2020
Instrument2020K034393
Transaction TypeTransfer
Record UpdatedJul 27, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$172.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address291 NAUTICAL WAY, ELGIN, IL 60123-4410

Mortgage

Document Number0000034394
DateJun 29, 2020
Instrument2020K034394
Lender
NameCROSSCOUNTRY MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2050
Interest
Rate TypeFixed Rate
Rate3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 291 Nautical Way was $4,935 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,935.00 Homeowner's exemption$72,695 (+8.57%) Land $18,599 Building $54,096$218,172 (+8.57%) Land $55,819 Building $162,353
2024$66,957 Land $17,131 Building $49,826$200,951 Land $51,414 Building $149,538
2022$4,262.00 (+4.85%) Homeowner's exemption$55,157 (+6.96%) Land $14,112 Building $41,045$165,471 (+6.96%) Land $42,336 Building $123,135
2021$4,065.00 Homeowner's exemption$51,568 Land $13,194 Building $38,374$154,704 Land $39,582 Building $115,122

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

FEMA maps place 291 Nautical Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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

The area around 291 Nautical Way has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 75 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Astound Broadband.

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