860 Cookane Ave, Elgin, IL 60120 Property Records

Kane County property record for 860 Cookane Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1979
Lot Size	0.138 acres (5,995 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Nov 2023)
Tax Bill	$5,008 (2025)
Deeds & Mortgages	Nov 2025 Transfer Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-24-479-020`

Property Details

APN / Parcel Number

Primary APN	`06-24-479-020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	2,288 sqft
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Frame
Lot Area	5,995 sqft (0.138 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	860 COOKANE AVE
City	ELGIN
State	IL
Zip	60120-8530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINZLARS ADDN PART LOTS 2 & 3 DESC IN DOC 1412288 BLOCK 1
Legal Subdivision	WINZLARS ADDN
Legal Block	1
Legal Lot Number	2,3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1015
Census Tract	851400

Owner

860 Cookane Ave is owned by two individuals who acquired it in October 2025.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	450 WILCOX AVE, ELGIN, IL 60123-7355
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Nov 13, 2025	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 8, 2023	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2023 · Amount on File
Deed Sale	Nov 8, 2023 · Amount on File
Deed Document Number	202339307
Last Transfer Date	Oct 31, 2025
Transfer Doc	0000045076
Record Updated	Sep 20, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 13, 2025
Property Address	860 COOKANE AVE, ELGIN, IL 60120-8530
Document Number	0000045076
Instrument Date	Oct 31, 2025
Instrument	2025K045076
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	450 WILCOX AVE, ELGIN, IL 60123-7355

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 8, 2023
Property Address	860 COOKANE AVE, ELGIN, IL 60120-8530
Document Number	0000039307
Instrument Date	Oct 31, 2023
Instrument	2023K039307
Transaction Type	Transfer
Record Updated	Nov 15, 2023

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 COOKANE AVE, ELGIN, IL 60120-8530

Mortgage

Document Number	0000039308
Date	Nov 8, 2023
Instrument	2023K039308

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.5%

Tax Assessment & Valuation

The 2025 property tax bill for 860 Cookane Ave was $5,008, up 4.6% from the year before.

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	$5,008.00 (+4.59%)	$73,654 (+8.57%) Land $13,715 Building $59,939	$221,050 (+8.57%) Land $41,161 Building $179,889
2024	$4,788.00 Homeowner's exemption	$67,840 Land $12,632 Building $55,208	$203,601 Land $37,911 Building $165,690
2022	$1,629.00 (-2.8%) Homeowner's exemption	$55,884 (+6.96%) Land $10,406 Building $45,478	$167,652 (+6.96%) Land $31,218 Building $136,434
2021	$1,676.00 Homeowner's exemption	$52,248 Land $9,729 Building $42,519	$156,744 Land $29,187 Building $127,557

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 860 Cookane Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	102 (1979–2020)
Claims Outside the SFHA	11 of 102
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 14 claims Severe Storms And Flooding, Sep 2008 · 35 claims

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

Wildfire risk around 860 Cookane Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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 270 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.

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