555 Covered Bridge Dr, Elgin, IL 60124 Property Records

Kane County property record for 555 Covered Bridge Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,599 sqft · built 1992
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Sep 2020)
Tax Bill	$11,615 (2025)
Deeds & Mortgages	Aug 2025 Second Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-21-303-019`

Property Details

APN / Parcel Number

Primary APN	`06-21-303-019`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,599 sqft Living Area
Gross Area	3,974 sqft
Basement Area	1,375 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	555 COVERED BRIDGE DR
City	ELGIN
State	IL
Zip	60124-5611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODBRIDGE NORTH UNIT 2 LOT 236
Legal Subdivision	WOODBRIDGE NORTH
Legal Block	1
Legal Lot Number	236
Legal Unit	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1001
Census Tract	851913

Owner

555 Covered Bridge Dr is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	555 COVERED BRIDGE DR, ELGIN, IL 60124-5611
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 1, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CAPITAL ONE NA
Sep 30, 2020	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2020 · Amount on File
Deed Sale	Sep 30, 2020 · Amount on File
Prior Sale	May 23, 2013 · Amount on File
Deed Document Number	202057339
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	555 COVERED BRIDGE DR, ELGIN, IL 60124-5611
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028759
Date	Aug 1, 2025
Instrument	2025K028759

Lender

Name	CAPITAL ONE NA
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

Interest

Rate Type	Fixed Rate
Rate	9.31%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 30, 2020
Property Address	555 COVERED BRIDGE DR, ELGIN, IL 60124-5611
Document Number	0000057339
Instrument Date	Aug 26, 2020
Instrument	2020K057339
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	555 COVERED BRIDGE DR, ELGIN, IL 60124-5611

Mortgage

Document Number	0000057340
Date	Sep 30, 2020
Instrument	2020K057340

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.62%

Tax Assessment & Valuation

The 2025 property tax bill for 555 Covered Bridge Dr was $11,615 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,615.00 Homeowner's exemption	$156,320 (+8.57%) Land $30,744 Building $125,576	$469,148 (+8.57%) Land $92,269 Building $376,879
2024		$143,981 Land $28,317 Building $115,664	$432,116 Land $84,985 Building $347,131
2022	$10,788.00 (+3.4%) Homeowner's exemption	$118,606 (+6.96%) Land $23,326 Building $95,280	$355,818 (+6.96%) Land $69,978 Building $285,840
2021	$10,433.00 Homeowner's exemption	$110,888 Land $21,808 Building $89,080	$332,664 Land $65,424 Building $267,240

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 555 Covered Bridge Dr in Zone X, an area of minimal flood risk.

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	1 in force

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 555 Covered Bridge Dr 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 422 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
AT&T Fiber	1,000 / 1,000
Fox Valley Internet Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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