765 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 765 Ruth Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,556 sqft · built 1966
Lot Size	0.259 acres (11,264 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (May 2023)
Tax Bill	$7,551 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Apr 2022 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`06-10-301-006`

Property Details

APN / Parcel Number

Primary APN	`06-10-301-006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,556 sqft Living Area
Gross Area	2,972 sqft
1st Floor Area	1,556 sqft
Basement Area	1,416 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick
Lot Area	11,264 sqft (0.259 acres)
Lot Dimensions	128 ft deep x 88 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	765 RUTH DR
City	ELGIN
State	IL
Zip	60123-1930
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 7 LOT 15 BLOCK 11
Legal Subdivision	EAGLE HEIGHTS
Legal Block	11
Legal Lot Number	15
Legal Unit	7-15
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1001
Census Tract	851909

Owner

Source: Kane County records, as of July 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	765 RUTH DR, ELGIN, IL 60123-1930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 29, 2022	Intrafamily Transfer, Transfer ATTORNEY
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2023 · Amount on Record
Deed Sale	May 16, 2023 · Amount on Record
Prior Sale	Jul 28, 2003 · Amount on Record
Deed Document Number	202315615
Prior Transfer Date	Mar 29, 2022
Prior Transfer Doc	0000023261
Record Updated	Sep 20, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	May 16, 2023
Property Address	765 RUTH DR, ELGIN, IL 60123-1930
Document Number	0000015615
Instrument Date	May 12, 2023
Instrument	2023K015615
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	765 RUTH DR, ELGIN, IL 60123-1930

Mortgage

Document Number	0000015616
Date	May 16, 2023
Instrument	2023K015616

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.49%

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Apr 29, 2022
Property Address	765 RUTH DR, ELGIN, IL 60123-1930
Document Number	0000023261
Instrument Date	Mar 29, 2022
Instrument	2022K023261
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	765 RUTH DR, ELGIN, IL 60123-1930

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	765 RUTH DR, ELGIN, IL 60123-1930
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006451
Date	Feb 2, 2022
Instrument	2022K006451

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANTA ROSA, CA 95401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin 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	$7,551.00 (+24.11%)	$106,986 (+8.57%) Land $30,218 Building $76,768	$321,086 (+8.57%) Land $90,690 Building $230,396
2024		$98,541 (+21.39%) Land $27,833 Building $70,708	$295,741 (+21.44%) Land $83,532 Building $212,209
2022	$6,084.00 (+5.1%) Homeowner's exemption	$81,175 (+6.96%) Land $22,928 Building $58,247	$243,525 (+6.96%) Land $68,784 Building $174,741
2021	$5,789.00 Homeowner's exemption	$75,893 Land $21,436 Building $54,457	$227,679 Land $64,308 Building $163,371

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 October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	8 in force

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	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 264 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
AT&T DSL	100 / 20

May also be available: T-Mobile.

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