785 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 785 Ruth Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,975 sqft · built 1968
Lot Size	0.253 acres (11,015 sqft)
Owner	Individual Name on Record
Last Sale	$224,000 (Dec 2017)
Tax Bill	$8,366 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`06-10-154-004`

Property Details

APN / Parcel Number

Primary APN	`06-10-154-004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,975 sqft Living Area
Gross Area	3,950 sqft
1st Floor Area	1,975 sqft
Basement Area	1,975 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Construction Type	Frame
Lot Area	11,015 sqft (0.253 acres)
Lot Width	72 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	785 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 13 BLOCK 11
Legal Subdivision	EAGLE HEIGHTS
Legal Block	11
Legal Lot Number	13
Legal Unit	7-13
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	Individual Name on Record
Mailing Address	785 RUTH DR, ELGIN, IL 60123-1930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Jan 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 4, 2020	Deed of Trust, Mortgage · Conventional with PMI AMRES CORP
Dec 21, 2017	Warranty Deed, Transfer · FHA Mortgage MORTGAGE SERVICES III LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2017 · Amount on Record
Deed Sale	Dec 21, 2017 · Amount on Record
Prior Sale	Jul 12, 2005 · Amount on Record
Deed Document Number	201766459
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	785 RUTH DR, ELGIN, IL 60123-1930
Transaction Type	Mortgage
Record Updated	Sep 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045401
Date	Sep 12, 2022
Instrument	2022K045401

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 11, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	785 RUTH DR, ELGIN, IL 60123-1930
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000699
Date	Jan 5, 2022
Instrument	2022K000699

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	785 RUTH DR, ELGIN, IL 60123-1930
Document Number	0000032533
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	785 RUTH DR ELGIN IL 601231930, ELGIN, IL 60123-1930

Mortgage

Document Number	0000032533
Date	Jun 22, 2020
Instrument	32533

Lender

Name	AMRES CORP
Address	FEASTERVILLE TREVOSE, PA 19053

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 21, 2017
Property Address	785 RUTH DR, ELGIN, IL 60123-1930
Document Number	0000066459
Instrument Date	Dec 21, 2017
Instrument	2017K066459
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$224.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	785 RUTH DR, ELGIN, IL 60123-1930

Mortgage

Document Number	0000066460
Date	Dec 21, 2017
Instrument	2017K066460

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

Mortgage

Document Number	0000066461
Date	Dec 21, 2017
Instrument	2017K066461

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution
Address	BLOOMINGTON, IL 61704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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	$8,366.00 (+15.86%) Homeowner's exemption	$117,670 (+8.57%) Land $28,858 Building $88,812	$353,151 (+8.57%) Land $86,609 Building $266,543
2024		$108,382 (+21.39%) Land $26,580 Building $81,802	$325,276 (+21.44%) Land $79,772 Building $245,504
2022	$7,221.00 (+4.49%) Homeowner's exemption	$89,282 (+6.96%) Land $21,896 Building $67,386	$267,846 (+6.96%) Land $65,688 Building $202,158
2021	$6,911.00 Homeowner's exemption	$83,472 Land $20,471 Building $63,001	$250,416 Land $61,413 Building $189,003

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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