326 Chaparral Cir, Elgin, IL 60120 Property Records

Cook County property record for 326 Chaparral Cir, Elgin, IL 60120

Property Summary

Property Type	Townhouse
Details	3 bd · 1.5 ba · 1,488 sqft · built 1995
Lot Size	0.26 acres (11,305 sqft)
Owner	2 Individual Names on Record
Last Sale	$169,000 (Sep 2003)
Tax Bill	$5,377 (2023)
Deeds & Mortgages	May 2022 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`06-17-310-073`

Property Details

APN / Parcel Number

Primary APN	`06-17-310-073`
Alternative APN	`06-17-310-073-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,488 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1996
Architectural Style	Modern
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	11,305 sqft (0.26 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	326 CHAPARRAL CIR
City	ELGIN
State	IL
Zip	60120-4855
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Range	9E
Legal Township	41N
Legal Section	17
Legal Subdivision	WOODLAND CRK
Legal Lot Number	20
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1010
Census Tract	804405

Owner

Source: Cook County records, as of May 27, 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	326 CHAPARRAL CIR, ELGIN, IL 60120-4855
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2003 · Amount on Record
Deed Sale	Sep 8, 2003 · Amount on Record
Deed Document Number	200329170
Last Transfer Date	Apr 6, 2022
Transfer Doc	0000039116
Record Updated	Sep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COOK IL
Recording Date	May 6, 2022
Property Address	326 CHAPARRAL CIR, ELGIN, IL 60120-4855
Document Number	0012639116
Map Reference	DOC 90-1174902
Instrument Date	Apr 6, 2022
Instrument	2212639116
Transaction Type	Transfer
Record Updated	May 18, 2022
Title Company	BARRISTER TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 CHAPARRAL CIR, ELGIN, IL 60120-4855

Mortgage

Document Number	0012639117
Date	May 6, 2022
Instrument	2212639117

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate	4.5%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$23,001 (+4.57%) Land $7,914 Building $15,087	$230,010 (+4.57%) Land $79,140 Building $150,870
2023	$5,377.00 (+3.48%)
2022	$5,196.00 Homeowner's exemption	$21,995 Land $2,995 Building $19,000	$219,950 Land $29,950 Building $190,000

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 February 11, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 289 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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