Cook County property record for 697 Bent Ridge Ln, Elgin, IL 60120
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,565 sqft · built 1990 |
| Lot Size | 0.068 acres (2,950 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $320,000 (Jun 2026) |
| Tax Bill | $5,522 (2023) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-07-406-024 |
| Primary APN | 06-07-406-024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,565 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Modern |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 2,950 sqft (0.068 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 697 BENT RIDGE LN |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-4391 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | PART OF LOT 39 IN COBBLERS CROSSIN G UNIT 3 S2 OF SEC07 T41N R09E 3P |
| Legal Range | 9E |
| Legal Township | 41N |
| Legal Section | 07 |
| Legal Subdivision | COBBLERS CROSSING |
| Legal Lot Number | 39 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 804403 |
697 Bent Ridge Ln, a townhouse, is held in a trust since June 2026.
Source: Cook County records, as of June 26, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 23 MARSH LN, BATAVIA, IL 60510-7683 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jun 18, 2026 | Warranty Deed, Transfer · Conventional Mortgage STONEHAVEN MORTGAGE INC |
| Dec 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2026 · Amount on File |
| Deed Sale | Jun 18, 2026 · Amount on File |
| Prior Sale | Apr 29, 1996 · Amount on File |
| Deed Document Number | 202616923005 |
| Prior Transfer Date | Oct 26, 1993 |
| Prior Transfer Doc | 0000000048 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Jun 18, 2026 |
| Property Address | 697 BENT RIDGE LN, ELGIN, IL 60120-4391 |
| Document Number | 0000023005 |
| Instrument Date | May 20, 2026 |
| Instrument | 202623005 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $48,480.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 23 MARSH LN, BATAVIA, IL 60510-7683 |
| Document Number | 0000000023, |
|---|---|
| Date | Jun 18, 2026 |
| Instrument | 2026169202616923 |
| Name | STONEHAVEN MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 697 BENT RIDGE LN, ELGIN, IL 60120-4391 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035104028 |
|---|---|
| Date | Dec 17, 2021 |
| Instrument | 2135104028 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Rate | 3.62% |
|---|
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 Land $3,245 Building $23,755 | $270,000 Land $32,450 Building $237,550 | |
| 2023 | $5,522.00 (+3.49%) | ||
| 2022 | $5,336.00 Homeowner's exemption | $22,498 Land $3,498 Building $19,000 | $224,980 Land $34,980 Building $190,000 |
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.
FEMA maps place 697 Bent Ridge Ln in Zone X, an area of minimal flood risk.
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.
The area around 697 Bent Ridge Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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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