Cook County property record for 638 Cobblestone Ct, #1, Elgin, IL 60120
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1 ba · 1,190 sqft · built 1995 |
| Lot Size | 14.2 acres (620,045 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $215,000 (May 2023) |
| Tax Bill | $3,839 (2023) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-07-400-012-1152 |
| Primary APN | 06-07-400-012-1152 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,190 sqft Living Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Condo/Apartment |
| Lot Area | 620,045 sqft |
| Street Address | 638 COBBLESTONE CT, 1 |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5122 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 56-6 IN COUNTRY HOMES AT COBBL ERS CROSSING CONDO IN COBBLERS CR OSSING UNIT 5 S2 OF SEC07 T41N R09E |
| Legal Range | 09E |
| Legal Township | 41N |
| Legal Section | 07 |
| Legal Subdivision | COUNTRY HOMES AT COBBLERS CROSSING CONDO |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 804403 |
Source: Cook County records, as of May 27, 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 Record |
|---|---|
| Mailing Address | 638 COBBLESTONE CT, 1, WOOSTER, OH 44691-2074 |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| May 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage PROPER RATE LLC |
| Jun 30, 2020 | Deed of Trust, Mortgage FIRST SOUTH CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 17, 2023 · Amount on Record |
| Deed Sale | May 17, 2023 · Amount on Record |
| Prior Sale | Oct 23, 2012 · Amount on Record |
| Deed Document Number | 20238178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | May 17, 2023 |
| Property Address | 638 COBBLESTONE CT # 1, 1, ELGIN, IL 60120-5122 |
| Document Number | 0013708178 |
| Map Reference | DOC 89328813 |
| Instrument Date | May 11, 2023 |
| Instrument | 2313708178 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 638 COBBLESTONE CT # 1, 1, ELGIN, IL 60120-5122 |
| Document Number | 0013708179 |
|---|---|
| Date | May 17, 2023 |
| Instrument | 2313708179 |
| Name | PROPER RATE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate | 6.02% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 638 COBBLESTONE CT # 1, 1, ELGIN, IL 60120-5122 |
| Document Number | 2031208276 |
| Instrument Date | Jun 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2020 |
| Title Company | GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 36W739 RED HAW LN ST CHARLES IL 601745059, ST CHARLES, IL 60174-5059 |
| Document Number | 2031208276 |
|---|---|
| Date | Nov 9, 2020 |
| Instrument | 31208276 |
| Name | FIRST SOUTH CU |
|---|---|
| Type | Credit Union |
| Address | PALOS HILLS, IL 60465 |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
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 | $17,959 (+34.65%) Land $2,287 Building $15,672 | $179,590 (+34.65%) Land $22,870 Building $156,720 | |
| 2023 | $3,839.00 (+2.89%) | ||
| 2022 | $3,731.00 | $13,338 Land $2,000 Building $11,338 | $133,380 Land $20,000 Building $113,380 |
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.
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.
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.
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 416 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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