725 Bent St, Elgin, IL 60120 Property Records

Cook County property record for 725 Bent St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,189 sqft · built 1956
Lot Size	0.088 acres (3,828 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (May 2021)
Tax Bill	$6,044 (2023)
Deeds & Mortgages	May 2021 Sale & Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-19-112-027`

Property Details

APN / Parcel Number

Primary APN	`06-19-112-027`
Alternative APN	`06-19-112-027-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,189 sqft Living Area
1st Floor Area	1,189 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1957
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	3,828 sqft (0.088 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	725 BENT ST
City	ELGIN
State	IL
Zip	60120-8231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(BLUFF) CITY ADD ELGIN ILLINOIS IN NW SEC 19-41-09
Legal Range	09E
Legal Township	41N
Legal Section	19
Legal Subdivision	CITY ADD
Legal Block	1
Legal Lot Number	1
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1012
Census Tract	804406

Owner

Source: Cook County records, as of October 21, 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	725 BENT ST, ELGIN, IL 60120-8231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Warranty Deed, Transfer · FHA Mortgage UNITED FIDELITY FUNDING CORP
Jan 10, 2019	Warranty Deed, Transfer · Conventional with PMI DIGNIFIED HM LNS
May 18, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2021 · Amount on Record
Deed Sale	May 20, 2021 · Amount on Record
Prior Sale	Jan 10, 2019 · Amount on Record
Deed Document Number	202155107
Prior Transfer Date	May 11, 2018
Prior Transfer Doc	0000055124
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	May 20, 2021
Property Address	725 BENT ST, ELGIN, IL 60120-8231
Document Number	0014055107
Instrument Date	May 10, 2021
Instrument	2114055107
Transaction Type	Transfer
Record Updated	Jun 1, 2021
Title Company	LAKELAND TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 BENT ST, ELGIN, IL 60120-8231

Mortgage

Document Number	0014055108
Date	May 20, 2021
Instrument	2114055108

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Mortgage

Document Number	0014055109
Date	May 20, 2021
Instrument	2114055109

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jan 10, 2019
Property Address	725 BENT ST, ELGIN, IL 60120-8231
Document Number	1901006138
Instrument Date	Nov 16, 2018
Instrument	1006138
Transaction Type	Transfer
Record Updated	Jan 23, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	725 BENT ST ELGIN IL 601208231, ELGIN, IL 60120-8231

Mortgage

Document Number	1901006139
Date	Jan 10, 2019
Instrument	1006139

Lender

Name	DIGNIFIED HM LNS
Type	Funding / Finance Company
Address	WESTLAKE, CA 91362

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2049

Interest

Rate Type	Fixed Rate
Rate	5%

May 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	COOK IL
Recording Date	May 18, 2018
Property Address	725 BENT ST, ELGIN, IL 60120-8231
Document Number	1813855124
Instrument Date	May 11, 2018
Instrument	13855124
Transaction Type	Foreclosure
Record Updated	Jan 14, 2019

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8921 BIRCH AVE MORTON GROVE IL 600532321, MORTON GROVE, IL 60053-2321

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$23,000 (+9.53%) Land $2,680 Building $20,320	$230,000 (+9.53%) Land $26,800 Building $203,200
2023	$6,044.00 (+2.89%)
2022	$5,874.00	$20,999 Land $1,531 Building $19,468	$209,990 Land $15,310 Building $194,680

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.

Flood

Source: FEMA National Flood Hazard Layer, effective February 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	16 (1997–2020)
Claims Outside the SFHA	5 of 16
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims Severe Storms And Flooding, Sep 2008 · 7 claims

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 438 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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