515 Willard Ave, Elgin, IL 60120 Property Records

Cook County property record for 515 Willard Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 988 sqft · built 1964
Lot Size	0.122 acres (5,314 sqft)
Owner	Individual Name on Record
Last Sale	$124,500 (Aug 2018)
Tax Bill	$4,893 (2023)
Deeds & Mortgages	May 2021 Mortgage Aug 2018 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`06-19-114-009`

Property Details

APN / Parcel Number

Primary APN	`06-19-114-009`
Alternative APN	`06-19-114-009-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1965
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	5,314 sqft (0.122 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	515 WILLARD AVE
City	ELGIN
State	IL
Zip	60120-8115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK 6 EASTLAWN ADD ELGIN SEC1 9 T41N R09E 3P
Legal Range	9E
Legal Township	41N
Legal Section	19
Legal Subdivision	EASLAWN ADD
Legal Block	6
Legal Lot Number	8
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1026
Census Tract	804406

Owner

Source: Cook County records, as of May 27, 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 Record
Mailing Address	1891 MARCI CT, GLENDALE HEIGHTS, IL 60139-1982
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Aug 22, 2018	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MTG
Jul 25, 2018	Quit Claim Deed, Transfer Quitclaim
Jul 25, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2018 · Amount on Record
Deed Sale	Aug 22, 2018 · Amount on Record
Deed Document Number	201812055
Prior Transfer Date	Apr 23, 2018
Prior Transfer Doc	0000049333
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	515 WILLARD AVE, ELGIN, IL 60120-8115
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012457033
Date	May 4, 2021
Instrument	2112457033

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Aug 22, 2018
Property Address	515 WILLARD AVE, ELGIN, IL 60120-8115
Document Number	1823412055
Instrument Date	Aug 16, 2018
Instrument	23412055
Transaction Type	Transfer
Record Updated	Sep 5, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124.50
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1891 MARCI CT GLENDALE HEIGHTS IL 601391982, GLENDALE HEIGHTS, IL 60139-1982

Mortgage

Document Number	1823412056
Date	Aug 22, 2018
Instrument	23412056

Lender

Name	DRAPER & KRAMER MTG
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2048

Interest

Rate Type	Fixed Rate
Rate	5.37%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Jul 25, 2018
Property Address	515 WILLARD AVE, ELGIN, IL 60120-8115
Document Number	1820649333
Instrument Date	Apr 23, 2018
Instrument	20649333
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 N LIBERTY ST ELGIN IL 601205710, ELGIN, IL 60120-5710

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Jul 25, 2018
Property Address	515 WILLARD AVE, ELGIN, IL 60120-8115
Document Number	1820649332
Instrument Date	Apr 16, 2018
Instrument	20649332
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 N LIBERTY ST ELGIN IL 601205710, ELGIN, IL 60120-5710

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover 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		$20,000 (+17.65%) Land $3,720 Building $16,280	$200,000 (+17.65%) Land $37,200 Building $162,800
2023	$4,893.00 (+2.9%)
2022	$4,755.00	$16,999 Land $2,125 Building $14,874	$169,990 Land $21,250 Building $148,740

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

Source: FEMA National Flood Hazard Layer, effective February 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	16 (1997–2020)
Claims Outside the SFHA	5 of 16
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims Severe Storms And Flooding, Sep 2008 · 7 claims

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

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 438 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

May also be available: AT&T.

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