826 Elma Ave, Elgin, IL 60120 Property Records

Cook County property record for 826 Elma Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 961 sqft · built 1957
Lot Size	0.215 acres (9,360 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Jan 2026)
Tax Bill	$5,181 (2023)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-06-106-055`

Property Details

APN / Parcel Number

Primary APN	`06-06-106-055`
Alternative APN	`06-06-106-055-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	961 sqft Living Area
1st Floor Area	961 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1958
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	9,360 sqft (0.215 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	826 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	110
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1023
Census Tract	804313

Owner

826 Elma Ave is owned by an individual who bought it in January 2026.

Source: Cook County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	201 S MAPLE AVE, 411, OAK PARK, IL 60302-3070
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2026 · Amount on File
Deed Sale	Jan 15, 2026 · Amount on File
Prior Sale	Nov 18, 2008 · Amount on File
Deed Document Number	20262062
Prior Transfer Date	May 19, 1999
Prior Transfer Doc	0000000166
Record Updated	Oct 29, 2026

January 2026: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	COOK IL
Recording Date	Jan 15, 2026
Property Address	826 ELMA AVE, ELGIN, IL 60120-2304
Document Number	0001502062
Map Reference	DOC 1530293
Instrument Date	Jan 9, 2026
Instrument	2601502062
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	36 N MCLEAN BLVD, ELGIN, IL 60123-6050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 ELMA AVE, ELGIN, IL 60120-2304

Mortgage

Document Number	0001502063
Date	Jan 15, 2026
Instrument	2601502063

Lender

Name	ALL WESTERN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$22,000 Land $6,552 Building $15,448	$220,000 Land $65,520 Building $154,480
2023	$5,181.00 (+2.9%)	$18,000 (-) Land $3,744 Building $14,256	$180,000 (-) Land $37,440 Building $142,560
2022	$5,035.00	$18,000 Land $3,744 Building $14,256	$180,000 Land $37,440 Building $142,560

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

FEMA maps place 826 Elma Ave in Zone X, an area of minimal flood risk.

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.

Wildfire

The area around 826 Elma Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 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