581 Yellowstone Dr, Elgin, IL 60123 Property Records

Kane County property record for 581 Yellowstone Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,679 sqft · built 1987
Lot Size	0.24 acres (10,454 sqft)
Owner	Company Name on Record
Last Sale	$260,000 (May 2019)
Tax Bill	$8,271 (2025)
Deeds & Mortgages	May 2026 Mortgage Mar 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-427-018`

Property Details

APN / Parcel Number

Primary APN	`06-09-427-018`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,679 sqft Living Area
Gross Area	3,358 sqft
1st Floor Area	1,679 sqft
Basement Area	1,679 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	581 YELLOWSTONE DR
City	ELGIN
State	IL
Zip	60123-2521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 6 LOT 181
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	181
Legal Unit	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3018
Census Tract	851909

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	581 YELLOWSTONE DR, ELGIN, IL 60123-2521
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 15, 2023	Intrafamily Transfer, Transfer ATTORNEY
May 31, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Oct 6, 2017	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2019 · Amount on Record
Deed Sale	May 31, 2019 · Amount on Record
Prior Sale	Aug 18, 2005 · Amount on Record
Deed Document Number	201922067
Last Transfer Date	Mar 7, 2023
Transfer Doc	0000007939
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	May 21, 2026
Property Address	581 YELLOWSTONE DR, ELGIN, IL 60123-2521
Document Number	0000020895
Instrument Date	May 14, 2026
Instrument	202620895
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221

Mortgage

Document Number	0000020895,
Date	May 21, 2026
Instrument	202620895

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate Type	Fixed Rate
Rate	10.8%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 15, 2023
Property Address	581 YELLOWSTONE DR, ELGIN, IL 60123-2521
Document Number	0000007939
Instrument Date	Mar 7, 2023
Instrument	2023K007939
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	581 YELLOWSTONE DR, ELGIN, IL 60123-2521

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 31, 2019
Property Address	581 YELLOWSTONE DR, ELGIN, IL 60123-2521
Document Number	0000022067
Instrument Date	May 13, 2019
Instrument	22067
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	581 YELLOWSTONE DR ELGIN IL 601232521, ELGIN, IL 60123-2521

Mortgage

Document Number	22068
Date	May 31, 2019
Instrument	22068

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2049

Interest

Rate Type	Fixed Rate
Rate	3.99%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	581 YELLOWSTONE DR, ELGIN, IL 60123-2521
Document Number	0000054101
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	581 YELLOWSTONE DR ELGIN IL 601232521, ELGIN, IL 60123-2521

Mortgage

Document Number	0000054101
Date	Oct 16, 2017
Instrument	54101

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

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	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,271.00 (+4.83%)	$124,416 (+8.57%) Land $34,594 Building $89,822	$373,397 (+8.57%) Land $103,824 Building $269,574
2024	$7,890.00 (+9.11%)	$114,595 (+21.39%) Land $31,863 Building $82,732	$343,923 (+21.44%) Land $95,627 Building $248,295
2022	$7,231.00 (+4.92%) Homeowner's exemption	$94,400 (+6.96%) Land $26,248 Building $68,152	$283,200 (+6.96%) Land $78,744 Building $204,456
2021	$6,892.00 Homeowner's exemption	$88,257 Land $24,540 Building $63,717	$264,771 Land $73,620 Building $191,151

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 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	3 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

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 543 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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