Cook County property record for 699 Bent Ridge Ln, Elgin, IL 60120
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,316 sqft · built 1990 |
| Lot Size | 0.132 acres (5,737 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Apr 2025) |
| Tax Bill | $1,605 (2023) |
| Deeds & Mortgages | Apr 2019 Mortgage Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-07-406-023 |
| Primary APN | 06-07-406-023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,316 sqft Living Area |
| 1st Floor Area | 1,316 sqft |
| 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 | 5,737 sqft (0.132 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 699 BENT RIDGE LN |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-4391 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Range | 9E |
| Legal Township | 41N |
| Legal Section | 07 |
| Legal Subdivision | COBBLERS XING UN 03 |
| Legal Lot Number | 39 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 804403 |
699 Bent Ridge Ln, a townhouse, is owned by two individuals who bought it in April 2025.
Source: Cook County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 652 WATERS EDGE DR, SOUTH ELGIN, IL 60177-3708 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 6, 2019 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Apr 6, 2019 | Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2025 · Amount on File |
| Deed Sale | Apr 3, 2025 · Amount on File |
| Prior Sale | Feb 7, 2006 · Amount on File |
| Deed Document Number | 202520056 |
| Prior Transfer Date | Sep 22, 2020 |
| Prior Transfer Doc | 0000034079 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 699 BENT RIDGE LN, ELGIN, IL 60120-4391 |
| Document Number | 1910546002 |
| Instrument Date | Apr 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 699 BENT RIDGE LN ELGIN IL 601204391, ELGIN, IL 60120-4391 |
| Document Number | 1910546002 |
|---|---|
| Date | Apr 15, 2019 |
| Instrument | 10546002 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 720 Months |
| Due | Apr 14, 2079 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.26% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 699 BENT RIDGE LN, ELGIN, IL 60120-4391 |
| Document Number | 1910546003 |
| Instrument Date | Apr 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 699 BENT RIDGE LN ELGIN IL 601204391, ELGIN, IL 60120-4391 |
| Document Number | 1910546003 |
|---|---|
| Date | Apr 15, 2019 |
| Instrument | 10546003 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 720 Months |
| Due | Apr 14, 2079 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.26% |
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 $6,311 Building $20,689 | $270,000 Land $63,110 Building $206,890 | |
| 2023 | $1,605.00 (-61.34%) | ||
| 2022 | $4,152.00 Homeowner's exemption Senior Citizen's exemption | $20,999 Land $3,499 Building $17,500 | $209,990 Land $34,990 Building $175,000 |
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 699 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 699 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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