Cook County property record for 822 Elma Ave, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 999 sqft · built 1960 |
| Lot Size | 0.221 acres (9,610 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,803 (2023) |
| Deeds & Mortgages | Feb 2026 Second Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-06-106-093 |
| Primary APN | 06-06-106-093 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 999 sqft Living Area |
| 1st Floor Area | 999 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 9,610 sqft (0.221 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 822 ELMA AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-2304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | (FIRST) ADD TO (BLACKHAWK)(MANOR) SUB A SUB PT OF SEC S 6 & 7 SEC 07-41-09 |
| Legal Range | 09E |
| Legal Township | 41N |
| Legal Section | 07 |
| Legal Subdivision | FIRST ADD TO BLACKHAWK MANOR |
| Legal Lot Number | 109,1 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 804313 |
Source: Cook County records, as of May 27, 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 | 822 ELMA AVE, ELGIN, IL 60120-2304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jul 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Dec 8, 2017 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 4, 2016 |
| Deed Sale | Aug 4, 2016 |
| Prior Sale | Jun 13, 2006 · Amount on Record |
| Deed Document Number | 201639004 |
| Prior Transfer Date | Jun 21, 2016 |
| Prior Transfer Doc | 0000039004 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 822 ELMA AVE, ELGIN, IL 60120-2304 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0004814042 |
|---|---|
| Date | Feb 17, 2026 |
| Instrument | 2604814042 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2041 |
| Rate | 10.1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 822 ELMA AVE, ELGIN, IL 60120-2304 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0019528311 |
|---|---|
| Date | Jul 14, 2021 |
| Instrument | 2119528311 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Apr 1, 2051 |
| Rate | 3.37% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 822 ELMA AVE, ELGIN, IL 60120-2304 |
| Document Number | 1734908166 |
| Instrument Date | Dec 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 822 ELMA AVE ELGIN IL 601202304, ELGIN, IL 60120-2304 |
| Document Number | 1734908166 |
|---|---|
| Date | Dec 15, 2017 |
| Instrument | 34908166 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 14, 2047 |
| Rate | 4.25% |
|---|
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $23,000 (+15%) Land $6,727 Building $16,273 | $230,000 (+15%) Land $67,270 Building $162,730 | |
| 2023 | $4,803.00 (+3.58%) | ||
| 2022 | $4,637.00 Homeowner's exemption | $20,000 Land $3,844 Building $16,156 | $200,000 Land $38,440 Building $161,560 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 11, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 616 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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