Cook County property record for 656 Thorndale Dr, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,243 sqft · built 1986 |
| Lot Size | 0.162 acres (7,072 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Aug 2026) |
| Tax Bill | $5,896 (2024) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-20-108-014 |
| Primary APN | 06-20-108-014 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,243 sqft Living Area |
| 1st Floor Area | 1,243 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 7,072 sqft (0.162 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 656 THORNDALE DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-8193 |
| 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 | 2 |
| Legal Unit | 1 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 804406 |
Source: Cook County records · APN 06-20-108-014
Assessment roll updated May 27, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 685 BENNETT DR, ELGIN, IL 60120-4001 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 05, 2026 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK |
| Oct 29, 2021 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 18, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI UNITED WHOLESALE MTG |
| Jun 20, 2017 | Loan Modification, Mortgage · Line of Credit GERMAN AM CAP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 05, 2026 · Amount on Record |
| Deed Sale | Aug 05, 2026 · Amount on Record |
| Prior Sale | Nov 18, 2019 · Amount on Record |
| Deed Document Number | 202621723161 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Aug 05, 2026 |
| Property Address | 656 THORNDALE DR, ELGIN, IL 60120-8193 |
| Document Number | 0000023161 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 202623161 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $46,965.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 685 BENNETT DR, ELGIN, IL 60120-4001 |
| Document Number | 0000023162, |
|---|---|
| Date | Aug 05, 2026 |
| Instrument | 202621723162 |
| Name | JPMORGAN CHASE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 656 THORNDALE DR, ELGIN, IL 60120-8193 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2021 |
| Title Company | NATIONAL TITLE SOLUTIONS INC |
| Name | Verified Name |
|---|
| Document Number | 0030255002 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 2130255002 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Nov 18, 2019 |
| Property Address | 656 THORNDALE DR, ELGIN, IL 60120-8193 |
| Document Number | 1932246011 |
| Instrument Date | Nov 06, 2019 |
| Instrument | 32246011 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 05, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $188.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 656 THORNDALE DR ELGIN IL 601208193, ELGIN, IL 60120-8193 |
| Document Number | 1932246012 |
|---|---|
| Date | Nov 18, 2019 |
| Instrument | 32246012 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 17, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Jun 20, 2017 |
| Property Address | 656 THORNDALE DR, ELGIN, IL 60120-8193 |
| Document Number | 1717147010 |
| Instrument Date | Jun 15, 2017 |
| Instrument | 17147010 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 909 N SEPULVEDA BLVD #840 EL SEGUNDO CA 902452718, 840, EL SEGUNDO, CA 90245-2718 |
| Document Number | 1717147010 |
|---|---|
| Date | Jun 20, 2017 |
| Instrument | 17147010 |
| Name | GERMAN AM CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | 60 WALL ST # 10TH, NEW YORK, NY 10005-2836 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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 | $28,000 (+21.74%) Land $4,950 Building $23,050 | $280,000 (+21.74%) Land $49,500 Building $230,500 | |
| 2024 | $5,896.00 (+4.06%) | ||
| 2023 | $5,666.00 (+3.47%) | ||
| 2022 | $5,476.00 Homeowner's exemption | $22,999 Land $4,596 Building $18,403 | $229,990 Land $45,960 Building $184,030 |
Source: FEMA National Flood Hazard Layer, Cook County (17031C), as of February 11, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
| Radiate Holdings Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Opiquad Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 307 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system IL0894380, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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