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705 Union Ct, Elgin, IL 60123 Property Records

Kane County property record for 705 Union Ct, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 988 sqft · built 1966
Lot Size0.161 acres (7,013 sqft)
Owner2 Individual Names on File
Last Sale$172,000 (May 2017)
Tax Bill$5,411 (2025)
Deeds & MortgagesOct 2020 Loan Modification
May 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-23-126-011

Property Details

APN / Parcel Number

Primary APN06-23-126-011

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area988 sqft Living Area
Gross Area1,976 sqft
1st Floor Area988 sqft
Basement Area988 sqft

Exterior

Year BuiltBuilt 1966
Effective Year BuiltEffective 1966
Construction TypeFrame
Lot Area7,013 sqft (0.161 acres)
Lot Dimensions83 ft deep x 85 ft wide
Garage TypeAttached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address705 UNION CT
CityELGIN
StateIL
Zip60123-6227
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJ C & W H KIMBALLS ADDN NORTH 95 FT (EXCEPT NORTH 10 FT) LOT 11 BLOCK 17
Legal SubdivisionJ C&W H KIMBALLS ADDN
Legal Block17
Legal Lot Number11
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group5
Census Block5001
Census Tract851600

Owner

Source: Kane County records · APN 06-23-126-011

Assessment roll updated August 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address705 UNION CT, ELGIN, IL 60123-6227
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 19, 2020Loan Modification, Mortgage · Conventional with PMI
WELLS FARGO BK
May 25, 2017Warranty Deed, Transfer · VA Mortgage
BAY EQUITY LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 25, 2017 · Amount on Record
Deed SaleMay 25, 2017 · Amount on Record
Prior SaleOct 20, 2004 · Amount on Record
Deed Document Number201726533
Prior Transfer DateJun 27, 2002
Prior Transfer Doc0000094142
Record UpdatedSep 20, 2026

October 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKANE IL
Property Address705 UNION CT, ELGIN, IL 60123-6227
Document Number0000077136
Instrument DateOct 19, 2020
Transaction TypeMortgage
Record UpdatedDec 22, 2020
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address705 UNION CT ELGIN IL 601236227, ELGIN, IL 60123-6227

Mortgage

Document Number0000077136
DateDec 11, 2020
Instrument77136
Lender
NameWELLS FARGO BK
TypeBank
AddressDES MOINES, IA 50328
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term336 Months
DueDec 10, 2048
Interest
Rate2.87%

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateMay 25, 2017
Property Address705 UNION CT, ELGIN, IL 60123-6227
Document Number0000026533
Instrument DateMay 23, 2017
Instrument2017K026533
Transaction TypeTransfer
Record UpdatedJul 27, 2021

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$172.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address705 UNION CT, ELGIN, IL 60123-6227

Mortgage

Document Number0000026534
DateMay 25, 2017
Instrument2017K026534
Lender
NameBAY EQUITY LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2047

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,411.00 (+15.82%) Homeowner's exemption
2024$72,703 (+21.4%) Land $15,901 Building $56,802$218,196 (+21.44%) Land $47,722 Building $170,474
2022$4,672.00 (+4.75%) Homeowner's exemption$59,889 (+6.96%) Land $13,098 Building $46,791$179,667 (+6.96%) Land $39,294 Building $140,373
2021$4,460.00 Homeowner's exemption$55,992 Land $12,246 Building $43,746$167,976 Land $36,738 Building $131,238

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898516005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Claims1 (2008)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2008, rainfall accumulation, Severe Storms And Flooding

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 637 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
Radiate HoldingsCable1,500 / 50
AT&TDSL100 / 20

May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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