637 Packard Dr, Elgin, IL 60120 Property Records

Cook County property record for 637 Packard Dr, Elgin, IL 60120 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,020 sqft · built 1988
Lot Size	0.14 acres (6,095 sqft)
Owner	Individual Name on File
Last Sale	$224,000 (Jun 2018)
Tax Bill	$5,954 (2023)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-19-203-019`

Property Details

APN / Parcel Number

Primary APN	`06-19-203-019`
Alternative APN	`06-19-203-019-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,020 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1989
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,095 sqft (0.14 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	637 PACKARD DR
City	ELGIN
State	IL
Zip	60120-7619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(SUMMERHILL) (UNIT4) A SUB OF PT OF SEC 19-41-09
Legal Range	09E
Legal Township	41N
Legal Section	19
Legal Subdivision	SUMMERHILL UNIT4
Legal Lot Number	235
Legal Unit	4
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2008
Census Tract	804406

Owner

Source: Cook County records · APN 06-19-203-019

Assessment roll updated May 27, 2026 · Last verified June 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 File
Mailing Address	637 PACKARD DR, ELGIN, IL 60120-7619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 27, 2018	Warranty Deed, Transfer MIDWEST CMNTY BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 27, 2018 · Amount on Record
Deed Sale	Jun 27, 2018 · Amount on Record
Prior Sale	Oct 07, 2011 · Amount on Record
Deed Document Number	201818063
Prior Transfer Date	Oct 06, 2006
Prior Transfer Doc	0000008118
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	637 PACKARD DR, ELGIN, IL 60120-7619
Transaction Type	Mortgage
Record Updated	Oct 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027234177
Date	Sep 29, 2021
Instrument	2127234177

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 01, 2041

Interest

Rate Type	Fixed Rate
Rate	3%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jun 27, 2018
Property Address	637 PACKARD DR, ELGIN, IL 60120-7619
Document Number	1817818063
Instrument Date	May 24, 2018
Instrument	17818063
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$224.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 FULTON ST ELGIN IL 601206638, ELGIN, IL 60120-6638

Mortgage

Document Number	1817818064
Date	Jun 27, 2018
Instrument	17818064

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	WOODSTOCK, IL 60098

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2048

Tax Assessment & Valuation

Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified June 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$29,001 (+20.84%) Land $4,267 Building $24,734	$290,010 (+20.84%) Land $42,670 Building $247,340
2023	$5,954.00 (+3.44%)
2022	$5,756.00 Homeowner's exemption	$23,999 Land $3,961 Building $20,038	$239,990 Land $39,610 Building $200,380

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cook County (17031C), updated February 11, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 312 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Opiquad, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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