Cook County property record for 651 Thoreau Dr, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,710 sqft · built 1985 |
| Lot Size | 0.179 acres (7,800 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $3,632 (2023) |
| Deeds & Mortgages | Mar 2024 Transfer Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-20-106-025 |
| Primary APN | 06-20-106-025 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,710 sqft Living Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Multi-Level |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 7,800 sqft (0.179 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 651 THOREAU DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-8128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | (SUMMERHILL) (UNIT1) A SUB OF PT OF SEC 20-41-09 |
| Legal Range | 09E |
| Legal Township | 41N |
| Legal Section | 20 |
| Legal Subdivision | SUMMERHILL UNIT1 |
| Legal Lot Number | 48 |
| Legal Unit | 1 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 804406 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 651 THOREAU DR, ELGIN, IL 60120-8128 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Mar 20, 2024 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 17, 2019 | Deed of Trust, Mortgage · Conventional with PMI CROSSCOUNTRY MTG |
| Feb 13, 2018 | Quit Claim Deed, Mortgage · FHA Mortgage GLOBAL EQUITY FIN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 13, 2018 |
| Deed Sale | Feb 13, 2018 |
| Deed Document Number | 201819063 |
| Last Transfer Date | Feb 29, 2024 |
| Transfer Doc | 0000022006 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Mar 20, 2024 |
| Property Address | 651 THOREAU DR, ELGIN, IL 60120-8128 |
| Document Number | 0008022006 |
| Map Reference | DOC 85-258824 |
| Instrument Date | Feb 29, 2024 |
| Instrument | 2408022006 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 651 THOREAU DR, ELGIN, IL 60120-8128 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 651 THOREAU DR, ELGIN, IL 60120-8128 |
| Document Number | 1926857077 |
| Instrument Date | Sep 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 651 THOREAU DR ELGIN IL 601208128, ELGIN, IL 60120-8128 |
| Document Number | 1926857077 |
|---|---|
| Date | Sep 25, 2019 |
| Instrument | 26857077 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 24, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Feb 13, 2018 |
| Property Address | 651 THOREAU DR, ELGIN, IL 60120-8128 |
| Document Number | 1804419063 |
| Instrument Date | Oct 24, 2017 |
| Instrument | 4419063 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2018 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 651 THOREAU DR ELGIN IL 601208128, ELGIN, IL 60120-8128 |
| Document Number | 1804419064 |
|---|---|
| Date | Feb 13, 2018 |
| Instrument | 4419064 |
| Name | GLOBAL EQUITY FIN |
|---|---|
| Type | Funding / Finance Company |
| Address | SAN DIEGO, CA 92117 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 12, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
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 | $34,000 (+25.93%) Land $5,460 Building $28,540 | $340,000 (+25.93%) Land $54,600 Building $285,400 | |
| 2023 | $3,632.00 (-0.25%) | ||
| 2022 | $3,641.00 Homeowner's exemption Senior Citizen's exemption | $27,000 Land $5,070 Building $21,930 | $270,000 Land $50,700 Building $219,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 307 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Fox Valley Internet Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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