376 Chaparral Cir, Elgin, IL 60120 Property Records

Cook County property record for 376 Chaparral Cir, Elgin, IL 60120

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,276 sqft · built 1991
Lot Size	0.613 acres (26,683 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (May 2024)
Tax Bill	$4,471 (2023)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2022 Reverse Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`06-17-310-056`

Property Details

APN / Parcel Number

Primary APN	`06-17-310-056`
Alternative APN	`06-17-310-056-0000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,276 sqft Living Area
1st Floor Area	1,276 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1992
Architectural Style	Modern
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	26,683 sqft (0.613 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	376 CHAPARRAL CIR
City	ELGIN
State	IL
Zip	60120-4856
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	(WOODLAND) (CREEK) SUB BNG A SUB OF PT OF THE SW IN SEC 17-41-09
Legal Range	09E
Legal Township	41N
Legal Section	17
Legal Subdivision	WOODLAND CREEK
Legal Lot Number	28
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1005
Census Tract	804405

Owner

376 Chaparral Cir, a townhouse, is owned by an individual who bought it in May 2024.

Source: Cook County records, as of May 27, 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	Individual Name on File
Mailing Address	709 VILLA ST, ELGIN, IL 60120-8039
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Apr 25, 2022	Deed of Trust, Mortgage · Reverse Mortgage ADVISORS MORTGAGE GROUP LLC
Apr 25, 2022	Affidavit of Death of Joint Tenant, Transfer PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2024 · Amount on File
Deed Sale	May 31, 2024 · Amount on File
Prior Sale	Mar 17, 1998 · Amount on File
Deed Document Number	20242267
Prior Transfer Date	Apr 8, 2022
Prior Transfer Doc	2211533399
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	376 CHAPARRAL CIR, ELGIN, IL 60120-4856
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	PRECISION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	376 CHAPARRAL CIR, ELGIN, IL 60120-4856

Mortgage

Document Number	0032818053
Date	Nov 24, 2025
Instrument	2532818053

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate	6.37%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	376 CHAPARRAL CIR, ELGIN, IL 60120-4856
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	376 CHAPARRAL CIR, ELGIN, IL 60120-4856

Mortgage

Document Number	0011533397
Date	Apr 25, 2022
Instrument	2211533397

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company
Address	ASBURY PARK, NJ 07712

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	790 Months
Due	Feb 14, 2088

Interest

Rate Type	Adjustable Rate
Rate	4.42%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	9.42%

April 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	COOK IL
Recording Date	Apr 25, 2022
Property Address	376 CHAPARRAL CIR, ELGIN, IL 60120-4856
Document Number	0011533399
Map Reference	DOC 901174902
Instrument Date	Apr 8, 2022
Instrument	2211533399
Transaction Type	Transfer
Record Updated	May 4, 2022
Title Company	PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW

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	376 CHAPARRAL CIR, ELGIN, IL 60120-4856

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		$23,000 Land $11,981 Building $11,019	$230,000 Land $119,810 Building $110,190
2023	$4,471.00 (+239.48%)
2022	$1,317.00 Homeowner's exemption Senior Citizen's exemption	$21,500 Land $3,000 Building $18,500	$215,000 Land $30,000 Building $185,000

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

FEMA maps place 376 Chaparral Cir in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 11, 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

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

Wildfire

Wildfire risk around 376 Chaparral Cir 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 97% of the US · lower than 79% 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 164 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 Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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