856 Millcreek Cir, Elgin, IL 60123 Property Records

Kane County property record for 856 Millcreek Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,449 sqft · built 1994
Lot Size	0.42 acres (1,821 sqft)
Owner	2 Individual Names on Record
Last Sale	$258,000 (Nov 2023)
Tax Bill	$5,819 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage May 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-127-092`

Property Details

APN / Parcel Number

Primary APN	`06-09-127-092`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,449 sqft Living Area
Gross Area	1,904 sqft
Basement Area	455 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Lot Area	1,821 sqft (0.42 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	856 MILLCREEK CIR
City	ELGIN
State	IL
Zip	60123-2335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLCREEK SUB PART OF LOT 17 DESC IN DOC 94K049154
Legal Subdivision	MILLCREEK SUB
Legal Block	2
Legal Lot Number	17
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2004
Census Tract	851910

Owner

Source: Kane County records, as of August 21, 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	2525 WINFIELD LN, BELVIDERE, IL 61008-6440
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2023	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
May 15, 2019	Loan Modification, Mortgage · Conventional with PMI MONEY SOURCE
Oct 30, 2017	Warranty Deed, Transfer · VA Mortgage KEY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2023 · Amount on Record
Deed Sale	Nov 21, 2023 · Amount on Record
Prior Sale	Oct 30, 2017 · Amount on Record
Deed Document Number	202340969
Prior Transfer Date	Mar 1, 2010
Prior Transfer Doc	0000025871
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 21, 2023
Property Address	856 MILLCREEK CIR, ELGIN, IL 60123-2335
Document Number	0000040969
Map Reference	DOC 92K85147
Instrument Date	Nov 13, 2023
Instrument	2023K040969
Transaction Type	Transfer
Record Updated	Nov 28, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2525 WINFIELD LN, BELVIDERE, IL 61008-6440

Mortgage

Document Number	0000040970
Date	Nov 21, 2023
Instrument	2023K040970

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Mortgage

Document Number	0000040971
Date	Nov 21, 2023
Instrument	2023K040971

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	ALGONQUIN, IL 60102

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Dec 1, 2028

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	856 MILLCREEK CIR, ELGIN, IL 60123-2335
Document Number	0000027946
Instrument Date	May 15, 2019
Transaction Type	Mortgage
Record Updated	Jul 11, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 MILLCREEK CIR ELGIN IL 601232335, ELGIN, IL 60123-2335

Mortgage

Document Number	0000027946
Date	Jul 1, 2019
Instrument	27946

Lender

Name	MONEY SOURCE
Type	Funding / Finance Company
Address	MERIDEN, CT 06450

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2049

Interest

Rate Type	Fixed Rate
Rate	4.62%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 30, 2017
Property Address	856 MILLCREEK CIR, ELGIN, IL 60123-2335
Document Number	0000056617
Map Reference	DOC92K85147
Instrument Date	Oct 16, 2017
Instrument	2017K056617
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$163.00
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	856 MILLCREEK CIR, ELGIN, IL 60123-2335

Mortgage

Document Number	0000056618
Date	Oct 30, 2017
Instrument	2017K056618

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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	$5,819.00 (+15.82%)	$84,275 (+8.57%) Land $17,972 Building $66,303	$252,926 (+8.57%) Land $53,938 Building $198,989
2024		$77,622 (+21.4%) Land $16,553 Building $61,069	$232,959 (+21.44%) Land $49,679 Building $183,280
2022	$5,024.00 (+4.71%) Homeowner's exemption	$63,941 (+6.96%) Land $13,635 Building $50,306	$191,823 (+6.96%) Land $40,905 Building $150,918
2021	$4,798.00 Homeowner's exemption	$59,781 Land $12,748 Building $47,033	$179,343 Land $38,244 Building $141,099

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 118 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Fox Valley Internet.

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