3009 Cookson Ave, Elgin, IL 60124 Property Records

Kane County property record for 3009 Cookson Ave, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,510 sqft · built 2005
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$332,000 (Oct 2020)
Tax Bill	$12,094 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-17-154-001`

Property Details

APN / Parcel Number

Primary APN	`06-17-154-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,510 sqft Living Area
Gross Area	4,780 sqft
Basement Area	1,270 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	3009 COOKSON AVE
City	ELGIN
State	IL
Zip	60124-8938
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE UNIT 1 LOT 129
Legal Subdivision	PROVIDENCE
Legal Block	2
Legal Lot Number	129
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2005
Census Tract	851911

Owner

3009 Cookson Ave is owned and occupied by two individuals who bought it in October 2020.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	3009 COOKSON AVE, ELGIN, IL 60124-8938
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Oct 20, 2020	Warranty Deed, Transfer · FHA Mortgage WINTRUST MORTGAGE
Sep 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2020 · Amount on File
Deed Sale	Oct 20, 2020 · Amount on File
Prior Sale	Oct 18, 2005 · Amount on File
Deed Document Number	202062926
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3009 COOKSON AVE, ELGIN, IL 60124-8938
Transaction Type	Mortgage
Record Updated	Feb 11, 2022
Title Company	AF TITLE COMPANY, FOX TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007430
Date	Feb 7, 2022
Instrument	2022K007430

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.75%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 20, 2020
Property Address	3009 COOKSON AVE, ELGIN, IL 60124-8938
Document Number	0000062926
Map Reference	DOC 2004K032369
Instrument Date	Aug 19, 2020
Instrument	2020K062926
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$332.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3009 COOKSON AVE, 3009, ELGIN, IL 60124-8938

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3009 COOKSON AVE, ELGIN, IL 60124-8938

Mortgage

Document Number	0000062927
Date	Oct 20, 2020
Instrument	2020K062927

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.62%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3009 COOKSON AVE, ELGIN, IL 60124-8938
Document Number	0000047825
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 21, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3009 COOKSON AVE ELGIN IL 601248938, ELGIN, IL 60124-8938

Mortgage

Document Number	0000047825
Date	Oct 9, 2019
Instrument	47825

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 8, 2034

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 3009 Cookson Ave was $12,094 with a homeowner's exemption.

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	$12,094.00 Homeowner's exemption	$163,996 (+8.57%) Land $43,240 Building $120,756	$492,185 (+8.57%) Land $129,772 Building $362,413
2024		$151,051 Land $39,827 Building $111,224	$453,334 Land $119,529 Building $333,806
2022	$11,232.00 (+3.33%) Homeowner's exemption	$124,430 (+7.93%) Land $32,808 Building $91,622	$373,290 (+7.93%) Land $98,424 Building $274,866
2021	$10,870.00 Homeowner's exemption	$115,290 Land $30,673 Building $84,617	$345,870 Land $92,019 Building $253,851

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 3009 Cookson Ave in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 3009 Cookson Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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

Cell Coverage

5G (outdoors only) and 4G LTE

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