Cook County property record for 430 Ginger Ln, Elgin, IL 60120 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,246 sqft · built 1993 |
| Lot Size | 0.319 acres (13,885 sqft) |
| Owner | Individual Name on File |
| Last Sale | $420,000 (Oct 2023) |
| Tax Bill | $9,120 (2023) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-17-115-001 |
| Primary APN | 06-17-115-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,246 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Multi-Level |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 13,885 sqft (0.319 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 430 GINGER LN |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 9E |
| Legal Township | 41N |
| Legal Section | 17 |
| Legal Subdivision | COUNTRY TRLS UN 02 |
| Legal Lot Number | 85 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 804404 |
Source: Cook County records · APN 06-17-115-001
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 | 430 GINGER LN, ELGIN, IL 60120-5204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Oct 03, 2023 | Warranty Deed, Transfer · FHA Mortgage FIRST AMERICAN BANK |
| Dec 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 03, 2023 · Amount on Record |
| Deed Sale | Oct 03, 2023 · Amount on Record |
| Prior Sale | Sep 02, 1993 |
| Deed Document Number | 202329182 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Oct 03, 2023 |
| Property Address | 430 GINGER LN, ELGIN, IL 60120-5204 |
| Document Number | 0027629182 |
| Map Reference | DOC 90423641 |
| Instrument Date | Sep 29, 2023 |
| Instrument | 2327629182 |
| Transaction Type | Transfer |
| Record Updated | Apr 09, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $420.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 430 GINGER LN, ELGIN, IL 60120-5204 |
| Document Number | 0027629183 |
|---|---|
| Date | Oct 03, 2023 |
| Instrument | 2327629183 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 430 GINGER LN, ELGIN, IL 60120-5204 |
| Document Number | 2102106321 |
| Instrument Date | Dec 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 430 GINGER LN ELGIN IL 601205204, ELGIN, IL 60120-5204 |
| Document Number | 2102106321 |
|---|---|
| Date | Jan 21, 2021 |
| Instrument | 2106321 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 20, 2041 |
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 | $42,001 (+20.01%) Land $9,720 Building $32,281 | $420,010 (+20.01%) Land $97,200 Building $322,810 | |
| 2023 | $9,120.00 (+3.25%) | ||
| 2022 | $8,833.00 (+23.31%) | $34,999 (+45.11%) Land $7,636 Building $27,363 | $349,990 (+45.11%) Land $76,360 Building $273,630 |
| 2021 | $7,163.00 Homeowner's exemption | $24,119 Land $11,802 Building $12,317 | $241,190 Land $118,020 Building $123,170 |
Source: FEMA National Flood Hazard Layer, Cook County (17031C), updated February 11, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170318044043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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