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857 Jay St, Elgin, IL 60120 Property Records

Cook County property record for 857 Jay St, Elgin, IL 60120 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 910 sqft · built 1952
Lot Size0.137 acres (5,950 sqft)
OwnerIndividual Name on File
Last Sale$120,000 (Aug 2002)
Tax Bill$3,651 (2023)
Deeds & MortgagesJun 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN06-19-308-002

Property Details

APN / Parcel Number

Primary APN06-19-308-002
Alternative APN
  • 06-19-308-002-0000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area910 sqft Living Area
1st Floor Area910 sqft

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1953
Exterior MaterialWood
Construction TypeFrame
Roof MaterialAsphalt
Lot Area5,950 sqft (0.137 acres)
Garage TypeDetached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address857 JAY ST
CityELGIN
StateIL
Zip60120-8243
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description(PLAYGROUND)(PARK) ADD ELGIN ILLINOIS SUB IN WH SEC 19-41-09
Legal Range09E
Legal Township41N
Legal Section19
Legal SubdivisionPLAYGROUND PARK
Legal Lot Number38
JurisdictionCOOK IL
Township / Civil DivisionHANOVER
Census Block Group1
Census Block1003
Census Tract804406

Owner

Source: Cook County records · APN 06-19-308-002

Assessment roll updated May 27, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address857 JAY ST, ELGIN, IL 60120-8243
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 29, 2002 · Amount on Record
Deed SaleAug 29, 2002 · Amount on Record
Prior SaleJun 10, 1996 · Amount on Record
Deed Document Number200254502
Last Transfer DateNov 12, 2011
Transfer Doc0000049035
Record UpdatedSep 20, 2026

June 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOOK IL
Property Address857 JAY ST, ELGIN, IL 60120-8243
Document Number1817029149
Instrument DateJun 11, 2018
Transaction TypeMortgage
Record UpdatedJun 26, 2018
Title CompanyCHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address857 JAY ST ELGIN IL 601208243, ELGIN, IL 60120-8243

Mortgage

Document Number1817029149
DateJun 19, 2018
Instrument17029149
Lender
NameBMO HARRIS BK NA
TypeBank
AddressCHICAGO, IL 60690
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 18, 2033
Interest
Rate4.5%

Tax Assessment & Valuation

Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateIllinois
CountyCook County
County SubdivisionHanover Township
MunicipalityElgin City
Unified School DistrictSchool 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.

YearTax BillAssessed ValueAssessed Market Value
2025$20,000 (+25%) Land $4,165 Building $15,835$200,000 (+25%) Land $41,650 Building $158,350
2023$3,651.00 (+3.75%)
2022$3,519.00 Homeowner's exemption$16,000 Land $2,380 Building $13,620$160,000 Land $23,800 Building $136,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cook County (17031C), updated February 11, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170318044061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Nearby Flood Policies11 in force
Nearby Flood Claims16 (1997–2020)
Claims Outside the SFHA5 of 16
Most Recent ClaimMay 2020, rainfall accumulation
Claims By Storm
  • Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims
  • Severe Storms And Flooding, Sep 2008 · 7 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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 306 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
Radiate HoldingsCable1,500 / 50
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

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

Mobile Coverage

5G and 4G LTE

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