Cook County property record for 415 Ginger Ln, Elgin, IL 60120 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1993 |
| Square Footage | 2,706 sqft Living Area |
| Lot Size | 15,048 sqft (0.346 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $324,000 (2018) |
| Tax Bill | $9,984.00 (2023) |
| Primary APN | 06-17-110-047 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,706 sqft Living Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Wood Exterior |
| Construction Type | Frame Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 15,048 sqft (0.346 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Pool Type | Above-Ground Pool Pool Type |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 415 GINGER LN |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5205 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Range | 9E |
| Legal Township | 41N |
| Legal Section | 17 |
| Legal Subdivision | COUNTRY TRLS UN 02 |
| Legal Lot Number | 81 |
| Jurisdiction | COOK IL |
| Minor Civil Division | HANOVER |
| Census Blockgroup | 3 |
| Census Block | 3003 |
| Census Tract | 804404 |
Source: Cook County records · APN 06-17-110-047
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 | 415 GINGER LN, ELGIN, IL 60120-5205 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Oct 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) NEIGHBORHOOD LOANS |
| Oct 10, 2018 | Warranty Deed, Transfer · Conventional Mortgage KEY MTG SVCS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 10, 2018 · Amount on Record |
| Deed Sale | Oct 10, 2018 · Amount on Record |
| Prior Sale | Jul 22, 2015 · Amount on Record |
| Deed Doc Number | 201833023 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 415 GINGER LN, ELGIN, IL 60120-5205 |
| Transaction Type | Mortgage |
| Record Updated | Apr 09, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0020118257 |
|---|---|
| Date | Jul 20, 2021 |
| Instrument | 2120118257 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 415 GINGER LN, ELGIN, IL 60120-5205 |
| Document Number | 1930222044 |
| Instrument Date | Oct 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 07, 2019 |
| Title Company | CARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PTRS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 415 GINGER LN ELGIN IL 601205205, ELGIN, IL 60120-5205 |
| Document Number | 1930222044 |
|---|---|
| Date | Oct 29, 2019 |
| Instrument | 30222044 |
| Name | NEIGHBORHOOD LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | LOMBARD, IL 60148 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 28, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Oct 10, 2018 |
| Property Address | 415 GINGER LN, ELGIN, IL 60120-5205 |
| Document Number | 1828333023 |
| Instrument Date | Sep 19, 2018 |
| Instrument | 28333023 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $324.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 415 GINGER LN ELGIN IL 601205205, ELGIN, IL 60120-5205 |
| Document Number | 1828333024 |
|---|---|
| Date | Oct 10, 2018 |
| Instrument | 28333024 |
| Name | KEY MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | SCHAUMBURG, IL 60173 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 09, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.25% |
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 | $46,000 (+21.06%) Land $10,534 Building $35,466 | $460,000 (+21.06%) Land $105,340 Building $354,660 | |
| 2023 | $9,984.00 (+3.22%) | ||
| 2022 | $9,673.00 | $37,999 Land $8,276 Building $29,723 | $379,990 Land $82,760 Building $297,230 |
415 Ginger Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
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 | Low 5th percentile of exposed land nationally · 30th in Illinois |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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