651 Scott Dr, Elgin, IL 60123 Property Records

Kane County property record for 651 Scott Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,560 sqft · built 1970
Lot Size	0.394 acres (17,144 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Jul 2021)
Tax Bill	$9,798 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-10-306-018`

Property Details

APN / Parcel Number

Primary APN	`06-10-306-018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,560 sqft Living Area
Gross Area	3,176 sqft
1st Floor Area	2,560 sqft
Basement Area	616 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick
Construction Type	Frame
Lot Area	17,144 sqft (0.394 acres)
Lot Width	75 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	651 SCOTT DR
City	ELGIN
State	IL
Zip	60123-2631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 2 PART OF LOTS 19 & 20 DESC IN BOOK 2489/389 (EXCEPT PART LOT 19 DESC IN BOOK 2505/569)
Legal Subdivision	EAGLE HEIGHTS
Legal Block	1
Legal Lot Number	19,20
Legal Unit	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1001
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	2 Individual Names on Record
Mailing Address	651 SCOTT DR, ELGIN, IL 60123-2631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CREDIT UNION
Jun 8, 2022	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Jul 13, 2021	Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Prior Sale	Aug 18, 2000 · Amount on Record
Deed Document Number	202153638
Prior Transfer Date	Jun 16, 2021
Prior Transfer Doc	0000053638
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jun 16, 2026
Property Address	651 SCOTT DR, ELGIN, IL 60123-2631
Document Number	0000024929
Instrument Date	Jun 8, 2026
Instrument	202624929
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	651 SCOTT DR, ELGIN, IL 60123-2631

Mortgage

Document Number	0000024929,
Date	Jun 16, 2026
Instrument	202624929

Lender

Name	CONSUMERS CREDIT UNION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	8%
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	651 SCOTT DR, ELGIN, IL 60123-2631
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030177
Date	Jun 8, 2022
Instrument	2022K030177

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jul 1, 2051

Interest

Rate	2.25%

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Jul 13, 2021
Property Address	651 SCOTT DR, ELGIN, IL 60123-2631
Document Number	0000053638
Instrument Date	Jun 16, 2021
Instrument	2021K053638
Transaction Type	Transfer
Record Updated	Jul 29, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	651 SCOTT DR, ELGIN, IL 60123-2631

Mortgage

Document Number	0000053639
Date	Jul 13, 2021
Instrument	2021K053639

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

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	$9,798.00 (+15.87%) Homeowner's exemption	$136,442 (+8.57%) Land $30,835 Building $105,607	$409,490 (+8.57%) Land $92,542 Building $316,948
2024		$125,672 (+21.39%) Land $28,401 Building $97,271	$377,167 (+21.44%) Land $85,237 Building $291,930
2022	$8,456.00 (+4.41%) Homeowner's exemption	$103,525 (+6.96%) Land $23,396 Building $80,129	$310,575 (+6.96%) Land $70,188 Building $240,387
2021	$8,099.00 Homeowner's exemption	$96,789 Land $21,874 Building $74,915	$290,367 Land $65,622 Building $224,745

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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	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.

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 264 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	100 / 20

May also be available: T-Mobile.

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