780 Thoreau Dr, Elgin, IL 60120 Property Records

Cook County property record for 780 Thoreau Dr, Elgin, IL 60120 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,680 sqft · built 1986
Lot Size	0.161 acres (6,996 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Aug 2019)
Tax Bill	$6,242 (2023)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-20-302-014`

Property Details

APN / Parcel Number

Primary APN	`06-20-302-014`
Alternative APN	`06-20-302-014-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,680 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1987
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,996 sqft (0.161 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	780 THOREAU DR
City	ELGIN
State	IL
Zip	60120-8181
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(SUMMERHILL) (UNIT1) A SUB OF PT OF SEC 20-41-09
Legal Range	09E
Legal Township	41N
Legal Section	20
Legal Subdivision	SUMMERHILL UNIT1
Legal Lot Number	26
Legal Unit	1
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2014
Census Tract	804406

Owner

Source: Cook County records · APN 06-20-302-014

Assessment roll updated May 27, 2026 · Last verified August 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 File
Mailing Address	780 THOREAU DR, ELGIN, IL 60120-8181
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE MORTGAGE
Jul 15, 2021	Deed of Trust, Mortgage · FHA Mortgage AMRES CORPORATION
Aug 24, 2020	Deed of Trust, Mortgage · FHA Mortgage AMRES CORP
Aug 06, 2019	Warranty Deed, Transfer · FHA Mortgage PLAZA HM MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 06, 2019 · Amount on Record
Deed Sale	Aug 06, 2019 · Amount on Record
Prior Sale	May 06, 1998 · Amount on Record
Deed Document Number	201933117
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Aug 10, 2026
Property Address	780 THOREAU DR, ELGIN, IL 60120-8181
Document Number	0000031056
Instrument Date	Jul 30, 2026
Instrument	202631056
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	780 THOREAU DR, ELGIN, IL 60120-8181

Mortgage

Document Number	0000031056,
Date	Aug 10, 2026
Instrument	202631056

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate	6.49%
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	780 THOREAU DR, ELGIN, IL 60120-8181
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	NATIONAL TITLE SOLUTIONS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019604096
Date	Jul 15, 2021
Instrument	2119604096

Lender

Name	AMRES CORPORATION
Type	Mortgage Company
Address	FEASTERVILLE TREVOSE, PA 19053

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	780 THOREAU DR, ELGIN, IL 60120-8181
Document Number	2032407490
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Dec 09, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	780 THOREAU DR ELGIN IL 601208181, ELGIN, IL 60120-8181

Mortgage

Document Number	2032407490
Date	Nov 19, 2020
Instrument	32407490

Lender

Name	AMRES CORP
Address	FEASTERVILLE TREVOSE, PA 19053

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Aug 06, 2019
Property Address	780 THOREAU DR, ELGIN, IL 60120-8181
Document Number	1921833117
Instrument Date	Jul 29, 2019
Instrument	21833117
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	780 THOREAU DR ELGIN IL 601208181, ELGIN, IL 60120-8181

Mortgage

Document Number	1921833118
Date	Aug 06, 2019
Instrument	21833118

Lender

Name	PLAZA HM MTG
Type	Mortgage Company
Address	ITASCA, IL 60143

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 05, 2049

Interest

Rate	5.12%

Tax Assessment & Valuation

Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$32,000 (+28.01%) Land $4,897 Building $27,103	$320,000 (+28.01%) Land $48,970 Building $271,030
2023	$6,242.00 (+3.41%)
2022	$6,036.00	$24,999 Land $4,547 Building $20,452	$249,990 Land $45,470 Building $204,520

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cook County (17031C), updated February 11, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 74 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Opiquad	Fixed Wireless (unlicensed)	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

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

Mobile Coverage

5G and 4G LTE

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