5 Creekside Cir, #5B, Elgin, IL 60123 Property Records

Kane County property record for 5 Creekside Cir, #5B, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 986 sqft · built 1986
Owner	Individual Name on File
Last Sale	$211,000 (Jan 2026)
Tax Bill	$4,271 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-32-400-137`

Property Details

APN / Parcel Number

Primary APN	`03-32-400-137`

Interior

Bedrooms	2 Beds
Total Rooms	5 Rooms
Stories	1 Story
Building Area	986 sqft Living Area
Gross Area	1,213 sqft
1st Floor Area	986 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Condo/Apartment
Garage Type	Attached
Garage Area	227 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	5 CREEKSIDE CIR, B
City	ELGIN
State	IL
Zip	60123-1127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS CONDO BLDG 13 - UNIT 5B
Legal Subdivision	CENTURY OAKS CONDO
Legal Block	3
Legal Lot Number	Q
Legal Unit	5B
Jurisdiction	KANE IL
Township / Civil Division	DUNDEE
Census Block Group	3
Census Block	3045
Census Tract	850600

Owner

5 Creekside Cir, #5B is owned by an individual who bought it in January 2026.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	5 CREEKSIDE CIR, B, ELGIN, IL 60123-1127
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Oct 10, 2023	Executor's Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2026 · Amount on File
Deed Sale	Jan 16, 2026 · Amount on File
Prior Sale	Oct 10, 2023 · Amount on File
Deed Document Number	20262322
Prior Transfer Date	Feb 12, 2015
Prior Transfer Doc	0000010426
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 16, 2026
Property Address	5 CREEKSIDE CIR # 5B, 5B, ELGIN, IL 60123-1127
Document Number	0000002322
Instrument Date	Nov 28, 2025
Instrument	2026K002322
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$211.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CREEKSIDE CIR APT B, B, ELGIN, IL 60123-1127

Mortgage

Document Number	0000002323
Date	Jan 16, 2026
Instrument	2026K002323

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%

October 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	KANE IL
Recording Date	Oct 10, 2023
Property Address	5 CREEKSIDE CIR APT B, B, ELGIN, IL 60123-1127
Document Number	0000035229
Instrument Date	Sep 20, 2023
Instrument	2023K035229
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CREEKSIDE CIR APT B, B, ELGIN, IL 60123-1127

Mortgage

Document Number	0000035230
Date	Oct 10, 2023
Instrument	2023K035230

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.87%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	7.87%
Max Rate At Change	12.8%
Max Rate	12.8%

Tax Assessment & Valuation

The 2025 property tax bill for 5 Creekside Cir, #5B was $4,271, up 5.5% from the year before.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Dundee 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	$4,271.00 (+5.48%)	$61,212 (+9.42%) Land $9,160 Building $52,052	$183,709 (+9.42%) Land $27,491 Building $156,218
2024	$4,049.00 Homeowner's exemption	$55,942 Land $8,371 Building $47,571	$167,893 Land $25,123 Building $142,770
2022	$3,567.00 (+4.27%) Homeowner's exemption	$44,807 (+5.91%) Land $7,532 Building $37,275	$134,421 (+5.91%) Land $22,596 Building $111,825
2021	$3,421.00 Homeowner's exemption	$42,307 Land $7,112 Building $35,195	$126,921 Land $21,336 Building $105,585

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 5 Creekside Cir, #5B in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2002–2007)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2007 · Severe Storms And Flooding

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.

Wildfire

The area around 5 Creekside Cir, #5B has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 241 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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