726 Bent St, Elgin, IL 60120 Property Records

Cook County property record for 726 Bent St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 988 sqft · built 1957
Lot Size	0.174 acres (7,590 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Jan 2020)
Tax Bill	$6,333 (2023)
Deeds & Mortgages	Jan 2023 Transfer Jan 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-19-107-012`

Property Details

APN / Parcel Number

Primary APN	`06-19-107-012`
Alternative APN	`06-19-107-012-0000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1958
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	7,590 sqft (0.174 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	726 BENT ST
City	ELGIN
State	IL
Zip	60120-7902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(VILLA)(PARK) ADD TO (HANOVER) SUB PT OF LT 2 IN NW SEC 19-41-09
Legal Range	09E
Legal Township	41N
Legal Section	19
Legal Subdivision	VILLA PARK ADD TO HANOVER
Legal Block	2
Legal Lot Number	2
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1011
Census Tract	804406

Owner

Source: Cook County records, as of October 22, 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	726 BENT ST, ELGIN, IL 60120-7902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 2, 2020	Warranty Deed, Transfer · FHA Mortgage CARDINAL FIN'L
May 3, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 3, 2018	Loan Modification, Mortgage · Conventional Mortgage DITECH FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2020 · Amount on Record
Deed Sale	Jan 2, 2020 · Amount on Record
Prior Sale	Jun 4, 2015 · Amount on Record
Deed Document Number	202017037
Prior Transfer Date	Oct 15, 2014
Prior Transfer Doc	0000015042
Record Updated	Oct 29, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COOK IL
Recording Date	Jan 20, 2023
Property Address	726 BENT ST, ELGIN, IL 60120-7902
Document Number	0002022016
Instrument Date	Oct 6, 2022
Instrument	2302022016
Transaction Type	Transfer
Record Updated	Feb 2, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	726 BENT ST, ELGIN, IL 60120-7902

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	726 BENT ST, ELGIN, IL 60120-7902

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jan 2, 2020
Property Address	726 BENT ST, ELGIN, IL 60120-7902
Document Number	2000217037
Instrument Date	Dec 16, 2019
Instrument	217037
Transaction Type	Transfer
Record Updated	Jan 15, 2020
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	726 BENT ST ELGIN IL 601207902, ELGIN, IL 60120-7902

Mortgage

Document Number	2000217040
Date	Jan 2, 2020
Instrument	217040

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	726 BENT ST, ELGIN, IL 60120-7902
Document Number	1813057059
Instrument Date	May 3, 2018
Transaction Type	Mortgage
Record Updated	May 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	726 BENT ST ELGIN IL 601207902, ELGIN, IL 60120-7902

Mortgage

Document Number	1813057059
Date	May 10, 2018
Instrument	13057059

Lender

Name	HUD-HOUSING/URBAN DEV
Address	OKLAHOMA CITY, OK 73107

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2048

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COOK IL
Property Address	726 BENT ST, ELGIN, IL 60120-7902
Document Number	1813001128
Instrument Date	May 3, 2018
Transaction Type	Mortgage
Record Updated	May 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 BENT ST ELGIN IL 60120, ELGIN, IL 60120

Mortgage

Document Number	1813001128
Date	May 10, 2018
Instrument	13001128

Lender

Name	DITECH FIN'L
Address	TEMPE, AZ 85284

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2048

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 (+4.55%) Land $5,313 Building $17,687	$230,000 (+4.55%) Land $53,130 Building $176,870
2023	$6,333.00 (+2.91%)
2022	$6,154.00	$22,000 Land $3,036 Building $18,964	$220,000 Land $30,360 Building $189,640

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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