Cook County property record for 405 Ginger Ln, Elgin, IL 60120 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1995 |
| Square Footage | 1,856 sqft Living Area |
| Lot Size | 13,463 sqft (0.309 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $268,000 (2017) |
| Tax Bill | $8,923.00 (2023) |
| Primary APN | 06-17-110-046 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,856 sqft Living Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood Exterior |
| Construction Type | Frame Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 13,463 sqft (0.309 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 405 GINGER LN |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5205 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 80 IN COUNTRY TRAILS UNIT 2 PAR T OF NW4 OF SEC17 T41N R09E 3P |
| Legal Range | 9E |
| Legal Township | 41N |
| Legal Section | 17 |
| Legal Subdivision | COUNTRY TRAILS UNIT 02 |
| Legal Lot Number | 80 |
| Jurisdiction | COOK IL |
| Minor Civil Division | HANOVER |
| Census Blockgroup | 3 |
| Census Block | 3003 |
| Census Tract | 804404 |
Source: Cook County records · APN 06-17-110-046
Assessment roll updated May 27, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 GINGER LN, ELGIN, IL 60120-5205 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMELAND MTG |
| Jun 07, 2017 | Grant Deed, Transfer · Conventional Mortgage HOMELAND MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 07, 2017 · Amount on Record |
| Deed Sale | Jun 07, 2017 · Amount on Record |
| Prior Sale | May 02, 1994 · Amount on Record |
| Deed Doc Number | 201739085 |
| Prior Transfer Date | Oct 30, 2007 |
| Prior Transfer Doc | 0000015082 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 405 GINGER LN, ELGIN, IL 60120-5205 |
| Document Number | 2010007130 |
| Instrument Date | Mar 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 405 GINGER LN ELGIN IL 601205205, ELGIN, IL 60120-5205 |
| Document Number | 2010007130 |
|---|---|
| Date | Apr 09, 2020 |
| Instrument | 10007130 |
| Name | HOMELAND MTG |
|---|---|
| Type | Mortgage Company |
| Address | WESTMONT, IL 60559 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 08, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Jun 07, 2017 |
| Property Address | 405 GINGER LN, ELGIN, IL 60120-5205 |
| Document Number | 1715839085 |
| Instrument Date | May 25, 2017 |
| Instrument | 15839085 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2017 |
| Title Company | BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $268.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 405 GINGER LN ELGIN IL 601205205, ELGIN, IL 60120-5205 |
| Document Number | 1715839086 |
|---|---|
| Date | Jun 07, 2017 |
| Instrument | 15839086 |
| Name | HOMELAND MTG |
|---|---|
| Type | Mortgage Company |
| Address | WESTMONT, IL 60559 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 06, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $38,000 (+22.58%) Land $9,424 Building $28,576 | $380,000 (+22.58%) Land $94,240 Building $285,760 | |
| 2023 | $8,923.00 (+2.91%) | ||
| 2022 | $8,671.00 | $30,999 Land $7,404 Building $23,595 | $309,990 Land $74,040 Building $235,950 |
405 Ginger Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Cook County (17031C), updated February 11, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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