635 Covered Bridge Dr, Elgin, IL 60124 Property Records

Kane County property record for 635 Covered Bridge Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,500 sqft · built 1991
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,692 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-21-352-026`

Property Details

APN / Parcel Number

Primary APN	`06-21-352-026`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,500 sqft Living Area
Gross Area	2,250 sqft
Basement Area	750 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	635 COVERED BRIDGE DR
City	ELGIN
State	IL
Zip	60124-6880
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODBRIDGE NORTH UNIT 1 LOT 58
Legal Subdivision	WOODBRIDGE NORTH
Legal Block	1
Legal Lot Number	58
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1001
Census Tract	851913

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	2 Individual Names on Record
Mailing Address	635 COVERED BRIDGE DR, ELGIN, IL 60124-6880
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Sep 7, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Mar 24, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	635 COVERED BRIDGE DR, ELGIN, IL 60124-6880
Transaction Type	Mortgage
Record Updated	Oct 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 COVERED BRIDGE DR, ELGIN, IL 60124-6880

Mortgage

Document Number	0000036746
Date	Sep 23, 2025
Instrument	2025K036746

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	TEMPE, AZ 85288

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	11.7%
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	635 COVERED BRIDGE DR, ELGIN, IL 60124-6880
Transaction Type	Mortgage
Record Updated	Sep 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044619
Date	Sep 7, 2022
Instrument	2022K044619

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	635 COVERED BRIDGE DR, ELGIN, IL 60124-6880
Document Number	0000016177
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	May 5, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	635 COVERED BRIDGE DR ELGIN IL 601246880, ELGIN, IL 60124-6880

Mortgage

Document Number	0000016177
Date	Mar 31, 2017
Instrument	16177

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,692.00 (+2.78%) Homeowner's exemption	$124,258 (+8.57%) Land $30,744 Building $93,514	$372,923 (+8.57%) Land $92,269 Building $280,654
2024		$114,449 (+21.39%) Land $28,317 Building $86,132	$343,484 (+21.44%) Land $84,985 Building $258,499
2022	$8,457.00 (+3.51%) Homeowner's exemption	$94,279 (+6.96%) Land $23,326 Building $70,953	$282,837 (+6.96%) Land $69,978 Building $212,859
2021	$8,170.00 Homeowner's exemption	$88,144 Land $21,808 Building $66,336	$264,432 Land $65,424 Building $199,008

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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

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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