Cook County property record for 574 Horace Dr, Elgin, IL 60120
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 1 ba · 1,090 sqft · built 1979 |
| Lot Size | 0.244 acres (10,605 sqft) |
| Owner | Individual Name on File |
| Last Sale | $192,000 (Jan 2020) |
| Tax Bill | $5,038 (2023) |
| Deeds & Mortgages | Oct 2026 Mortgage Jan 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-20-103-066 |
| Primary APN | 06-20-103-066 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,090 sqft Living Area |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Modern |
| Exterior Material | Frame |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 10,605 sqft (0.244 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 574 HORACE DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-8127 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | (PARKWOOD) (II) (UNIT1) SUB OF PT OF SECS17,19 & IN N W SEC 20-41-09 |
| Legal Range | 09E |
| Legal Township | 41N |
| Legal Section | 20 |
| Legal Subdivision | PARKWOOD II UNIT1 |
| Legal Lot Number | 56 |
| Legal Unit | 1 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 804406 |
574 Horace Dr, a townhouse, is owned and occupied by an individual who bought it in January 2020.
Source: Cook County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 574 HORACE DR, ELGIN, IL 60120-8127 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 6, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Jan 9, 2020 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG |
| Jun 20, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 9, 2020 · Amount on File |
| Deed Sale | Jan 9, 2020 · Amount on File |
| Prior Sale | Sep 23, 1997 · Amount on File |
| Deed Document Number | 20208368 |
| Prior Transfer Date | Apr 16, 2019 |
| Prior Transfer Doc | 0000015023 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Oct 6, 2026 |
| Property Address | 574 HORACE DR, ELGIN, IL 60120-8127 |
| Document Number | 0000031079 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 202627931079 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 574 HORACE DR, ELGIN, IL 60120-8127 |
| Document Number | 0000031079, |
|---|---|
| Date | Oct 6, 2026 |
| Instrument | 202627931079 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 280 Months |
| Due | Feb 1, 2050 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Jan 9, 2020 |
| Property Address | 574 HORACE DR, ELGIN, IL 60120-8127 |
| Document Number | 2000908368 |
| Instrument Date | Jan 3, 2020 |
| Instrument | 908368 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $192.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 4 TIMES SQ #112 ELGIN IL 601207812, 112, ELGIN, IL 60120-7812 |
| Document Number | 2000908370 |
|---|---|
| Date | Jan 9, 2020 |
| Instrument | 908370 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 8, 2050 |
| Rate | 3.37% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Jun 20, 2019 |
| Property Address | 574 HORACE DR, ELGIN, IL 60120-8127 |
| Document Number | 1917115023 |
| Instrument Date | Apr 16, 2019 |
| Instrument | 17115023 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1453 ELIOT TRL ELGIN IL 601204697, ELGIN, IL 60120-4697 |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $22,001 Land $7,424 Building $14,577 | $220,010 Land $74,240 Building $145,770 | |
| 2023 | $5,038.00 (+2.92%) | ||
| 2022 | $4,895.00 | $17,501 Land $3,001 Building $14,500 | $175,010 Land $30,010 Building $145,000 |
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.
FEMA maps place 574 Horace Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 11, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 574 Horace Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 307 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Fox Valley Internet Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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