Cook County property record for 691 Thoreau Dr, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,243 sqft · built 1985 |
| Lot Size | 0.164 acres (7,150 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $216,500 (Aug 2005) |
| Tax Bill | $5,666 (2023) |
| Deeds & Mortgages | Jun 2020 Mortgage Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-20-106-019 |
| Primary APN | 06-20-106-019 |
|---|---|
| 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 1985 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 7,150 sqft (0.164 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 691 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 | 42 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 691 THOREAU DR, ELGIN, IL 60120-8128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2020 | Deed of Trust, Mortgage · Conventional with PMI AMERICAN PACIFIC MTG |
| Jul 12, 2019 | Deed of Trust, Mortgage · FHA Mortgage PARKSIDE LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2005 · Amount on Record |
| Deed Sale | Aug 25, 2005 · Amount on Record |
| Prior Sale | Mar 18, 1994 · Amount on Record |
| Deed Document Number | 200548012 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 691 THOREAU DR, ELGIN, IL 60120-8128 |
| Document Number | 2031010032 |
| Instrument Date | Jun 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2020 |
| Title Company | NOVAS TITLE COMPANY LLC, NOVAS TITLE CO LLC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 691 THOREAU DR ELGIN IL 601208128, ELGIN, IL 60120-8128 |
| Document Number | 2031010032 |
|---|---|
| Date | Nov 3, 2020 |
| Instrument | 31010032 |
| Name | AMERICAN PACIFIC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 2, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 691 THOREAU DR, ELGIN, IL 60120-8128 |
| Document Number | 1920349306 |
| Instrument Date | Jul 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2019 |
| Title Company | NOVAS TITLE COMPANY LLC, NOVAS TITLE CO LLC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 691 THOREAU DR ELGIN IL 601208128, ELGIN, IL 60120-8128 |
| Document Number | 1920349306 |
|---|---|
| Date | Jul 22, 2019 |
| Instrument | 20349306 |
| Name | PARKSIDE LNDG |
|---|---|
| Address | SAN FRANCISCO, CA 94102 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 21, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
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 | $27,000 (+17.4%) Land $5,005 Building $21,995 | $270,000 (+17.4%) Land $50,050 Building $219,950 | |
| 2023 | $5,666.00 (+3.47%) | ||
| 2022 | $5,476.00 Homeowner's exemption | $22,999 Land $4,647 Building $18,352 | $229,990 Land $46,470 Building $183,520 |
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 | Low lower than 97% of the US · lower than 79% 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.
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 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Fox Valley Internet Fixed Wireless | 100 / 20 |
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