805 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 805 Ruth Dr, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,658 sqft · built 1968
Lot Size	0.271 acres (11,815 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (May 2021)
Tax Bill	$7,680 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`06-10-154-003`

Property Details

APN / Parcel Number

Primary APN	`06-10-154-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,658 sqft Living Area
Gross Area	3,316 sqft
1st Floor Area	1,658 sqft
Basement Area	1,658 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Construction Type	Frame
Lot Area	11,815 sqft (0.271 acres)
Lot Dimensions	139 ft deep x 85 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	805 RUTH DR
City	ELGIN
State	IL
Zip	60123-1931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 7 LOT 12 BLOCK 11
Legal Subdivision	EAGLE HEIGHTS
Legal Block	11
Legal Lot Number	12
Legal Unit	7-12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1001
Census Tract	851909

Owner

Source: Kane County records · APN 06-10-154-003

Assessment roll updated August 25, 2025 · Last verified July 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	805 RUTH DR, ELGIN, IL 60123-1931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 06, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Oct 04, 2017	Warranty Deed, Transfer · Conventional Mortgage BJV FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 06, 2021 · Amount on Record
Deed Sale	May 06, 2021 · Amount on Record
Prior Sale	Oct 04, 2017 · Amount on Record
Deed Document Number	202135467
Record Updated	Sep 20, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 06, 2021
Property Address	805 RUTH DR, ELGIN, IL 60123-1931
Document Number	0000035467
Instrument Date	May 03, 2021
Instrument	2021K035467
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 APPLE HILL LN, WAUKEGAN, IL 60087

Mortgage

Document Number	0000035468
Date	May 06, 2021
Instrument	2021K035468

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 04, 2017
Property Address	805 RUTH DR, ELGIN, IL 60123-1931
Document Number	0000052073
Instrument Date	Sep 25, 2017
Instrument	2017K052073
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
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	805 RUTH DR, ELGIN, IL 60123-1931

Mortgage

Document Number	0000052074
Date	Oct 04, 2017
Instrument	2017K052074

Lender

Name	BJV FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2047

Interest

Rate	4.87%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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	$7,680.00 (+15.85%) Homeowner's exemption
2024		$100,095 (+21.39%) Land $26,580 Building $73,515	$300,405 (+21.44%) Land $79,772 Building $220,633
2022	$6,629.00 (+4.53%) Homeowner's exemption	$82,455 (+6.96%) Land $21,896 Building $60,559	$247,365 (+6.96%) Land $65,688 Building $181,677
2021	$6,342.00 Homeowner's exemption	$77,089 Land $20,471 Building $56,618	$231,267 Land $61,413 Building $169,854

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898519091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	8 in force

Wildfire

Wildfire Risk	Low above 5% of the US · above 34% of Illinois
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 264 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

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

Mobile Coverage

5G and 4G LTE

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