Cook County property record for 435 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 1992 |
| Square Footage | 2,706 sqft Living Area |
| Lot Size | 12,420 sqft (0.285 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $300,000 (2019) |
| Tax Bill | $10,362.00 (2023) |
| Primary APN | 06-17-110-056 |
|---|---|
| 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 1991 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Wood Exterior |
| Construction Type | Frame Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 12,420 sqft (0.285 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 435 GINGER LN |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5205 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PART E2NW4 S17 T41N R09E 3P |
| Legal Range | 9E |
| Legal Township | 41N |
| Legal Section | 17 |
| Legal Subdivision | COUNTRY TRAILS UNI |
| Legal Lot Number | 83 |
| Jurisdiction | COOK IL |
| Minor Civil Division | HANOVER |
| Census Blockgroup | 3 |
| Census Block | 3003 |
| Census Tract | 804404 |
Source: Cook County records · APN 06-17-110-056
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 | 435 GINGER LN, ELGIN, IL 60120-5205 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 05, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Apr 29, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 20, 2019 | Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage LEADERONE FIN'L |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 20, 2019 · Amount on Record |
| Deed Sale | Feb 20, 2019 · Amount on Record |
| Prior Sale | Jan 13, 1994 · Amount on Record |
| Deed Doc Number | 201955031 |
| Prior Transfer Date | Nov 13, 2000 |
| Prior Transfer Doc | 0000043196 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 435 GINGER LN, ELGIN, IL 60120-5205 |
| Transaction Type | Mortgage |
| Record Updated | Apr 09, 2024 |
| Name | Verified Name |
|---|---|
| Address | 435 GINGER LN, ELGIN, IL 60120-5205 |
| Document Number | 0021746121 |
|---|---|
| Date | Aug 05, 2022 |
| Instrument | 2221746121 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | DENVER, CO 80249 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jun 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 435 GINGER LN, ELGIN, IL 60120-5205 |
| Transaction Type | Mortgage |
| Record Updated | Apr 09, 2024 |
| Name | Verified Name |
|---|---|
| Address | 435 GINGER LN, ELGIN, IL 60120-5205 |
| Document Number | 0011910131 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 2111910131 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Mar 01, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Feb 20, 2019 |
| Property Address | 435 GINGER LN, ELGIN, IL 60120-5205 |
| Document Number | 1905155031 |
| Instrument Date | Feb 14, 2019 |
| Instrument | 5155031 |
| Transaction Type | Transfer |
| Record Updated | Mar 01, 2019 |
| 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 | $300.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 435 GINGER LN ELGIN IL 601205205, ELGIN, IL 60120-5205 |
| Document Number | 1905155032 |
|---|---|
| Date | Feb 20, 2019 |
| Instrument | 5155032 |
| Name | LEADERONE FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | OVERLAND PARK, KS 66210 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 19, 2049 |
| Rate Type | Fixed Rate |
|---|
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 | $44,000 (+22.22%) Land $8,694 Building $35,306 | $440,000 (+22.22%) Land $86,940 Building $353,060 | |
| 2023 | $10,362.00 (+2.9%) | ||
| 2022 | $10,070.00 | $36,000 Land $6,831 Building $29,169 | $360,000 Land $68,310 Building $291,690 |
Source: FEMA National Flood Hazard Layer, Cook County (17031C), updated February 11, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 5% of the US · above 30% of Illinois |
|---|---|
| Wildfire Likelihood | 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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