841 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 841 Ruth Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,688 sqft · built 1966
Lot Size	0.261 acres (11,371 sqft)
Owner	2 Individual Names on Record
Deeds & Mortgages	Jun 2026 Mortgage Sep 2025 Mortgage + 7 more
Flood Zone	Zone AE (high risk)
APN	`06-10-105-023`

Property Details

APN / Parcel Number

Primary APN	`06-10-105-023`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,688 sqft Living Area
Gross Area	3,360 sqft
Basement Area	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	11,371 sqft (0.261 acres)
Lot Dimensions	137 ft deep x 83 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	841 RUTH DR
City	ELGIN
State	IL
Zip	60123-1951
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 5 LOT 24 BLOCK 12
Legal Subdivision	EAGLE HEIGHTS
Legal Block	12
Legal Lot Number	24
Legal Unit	5-24
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851910

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	2 Individual Names on Record
Mailing Address	841 RUTH DR, ELGIN, IL 60123-1951
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · VA Mortgage NONE LISTED ON DOCUMENT
Sep 19, 2025	Deed of Trust, Mortgage · VA Mortgage MORTGAGEPROS LLC
Jan 29, 2024	Deed of Trust, Mortgage · VA Mortgage BETTER LENDING LLC
May 2, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Aug 8, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 14, 2021	Intrafamily Transfer, Transfer · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Feb 14, 2019	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Jul 29, 2020	Loan Modification, Mortgage · Conventional with PMI NEWREZ LLC
Jul 6, 2017	Deed of Trust, Transfer LOW VA RATES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2017
Deed Sale	Jul 20, 2017
Prior Sale	Jul 8, 2016 · Amount on Record
Deed Document Number	201737379
Prior Transfer Date	Jul 6, 2017
Prior Transfer Doc	0000037379
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jun 11, 2026
Property Address	841 RUTH DR, ELGIN, IL 60123-1951
Document Number	0000024119
Instrument Date	May 30, 2026
Instrument	202624119
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	841 RUTH DR, ELGIN, IL 60123-1951

Mortgage

Document Number	0000024119,
Date	Jun 11, 2026
Instrument	202624119

Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	841 RUTH DR, ELGIN, IL 60123-1951
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	841 RUTH DR, ELGIN, IL 60123-1951

Mortgage

Document Number	0000036264
Date	Sep 19, 2025
Instrument	2025K036264

Lender

Name	MORTGAGEPROS LLC
Type	Mortgage Company
Address	TROY, MI 48098

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.75%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	841 RUTH DR, ELGIN, IL 60123-1951
Transaction Type	Mortgage
Record Updated	Feb 5, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002899
Date	Jan 29, 2024
Instrument	2024K002899

Lender

Name	BETTER LENDING LLC
Type	Mortgage Company
Address	SCHAUMBURG, IL 60195

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.75%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	841 RUTH DR, ELGIN, IL 60123-1951
Transaction Type	Mortgage
Record Updated	May 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013776
Date	May 2, 2023
Instrument	2023K013776

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

Interest

Rate	5.49%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	841 RUTH DR, ELGIN, IL 60123-1951
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040081
Date	Aug 8, 2022
Instrument	2022K040081

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate	5.62%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 14, 2021
Property Address	841 RUTH DR, ELGIN, IL 60123-1951
Document Number	0000045363
Instrument Date	Jun 4, 2021
Instrument	2021K045363
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	841 RUTH DR, ELGIN, IL 60123-1951

Mortgage

Document Number	0000045364
Date	Jun 14, 2021
Instrument	2021K045364

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	841 RUTH DR, ELGIN, IL 60123-1951
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006257
Date	Feb 14, 2019
Instrument	2019K006257

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate	3.75%

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	841 RUTH DR, ELGIN, IL 60123-1951
Document Number	0000059147
Instrument Date	Jul 29, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	841 RUTH DR ELGIN IL 601231951, ELGIN, IL 60123-1951

Mortgage

Document Number	0000059147
Date	Oct 7, 2020
Instrument	59147

Lender

Name	NEWREZ LLC
Address	GREENVILLE, SC 29601

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

Interest

Rate	3.75%

July 2017: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	841 RUTH DR, ELGIN, IL 60123-1951
Document Number	0000037380
Instrument Date	Jul 6, 2017
Transaction Type	Transfer
Record Updated	Aug 4, 2017
Title Company	WORLDWIDE RECORDING INC

Transaction

Additional	Intrafamily Transfer

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	841 RUTH DR ELGIN IL 601231951, ELGIN, IL 60123-1951

Mortgage

Document Number	0000037380
Date	Jul 20, 2017
Instrument	37380

Lender

Name	LOW VA RATES LLC
Address	384 S 400 W # 100, LINDON, UT 84042-1957

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.37%

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	Homeowner's exemption Veteran's exemption	$114,693 (+8.57%) Land $28,058 Building $86,635	$344,217 (+8.57%) Land $84,208 Building $260,009
2024		$105,639 (+21.39%) Land $25,843 Building $79,796	$317,044 (+21.44%) Land $77,560 Building $239,484
2022	Disabled Person's exemption Veteran's exemption	$87,022 Land $21,288 Building $65,734	$261,066 Land $63,864 Building $197,202

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	3 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

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	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 367 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 · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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