861 Deborah Ave, Elgin, IL 60123 Property Records

Kane County property record for 861 Deborah Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,196 sqft · built 1965
Lot Size	0.234 acres (10,185 sqft)
Owner	2 Individual Names on Record
Last Sale	$226,000 (Oct 2020)
Tax Bill	$6,455 (2025)
Deeds & Mortgages	Oct 2020 Sale & Second Mortgage
Flood Zone	Zone AE (high risk)
APN	`06-10-151-011`

Property Details

APN / Parcel Number

Primary APN	`06-10-151-011`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
Gross Area	2,392 sqft
1st Floor Area	1,196 sqft
Basement Area	1,196 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Frame
Lot Area	10,185 sqft (0.234 acres)
Lot Width	83 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	861 DEBORAH AVE
City	ELGIN
State	IL
Zip	60123-1946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 4 EXCEPT NORTHERLY 2 FT MEASURED ON WESTERLY LINE LOT 22 BLOCK 9
Legal Subdivision	EAGLE HEIGHTS
Legal Block	3
Legal Lot Number	22
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3009
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	861 DEBORAH AVE, ELGIN, IL 60123-1946
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2020 · Amount on Record
Deed Sale	Oct 19, 2020 · Amount on Record
Deed Document Number	202062019
Prior Transfer Date	Jul 12, 2016
Prior Transfer Doc	0000042543
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 19, 2020
Property Address	861 DEBORAH AVE, ELGIN, IL 60123-1946
Document Number	0000062019
Instrument Date	Jun 23, 2020
Instrument	2020K062019
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$226.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	861 DEBORAH AVE, ELGIN, IL 60123-1946

Mortgage

Document Number	0000062021
Date	Oct 19, 2020
Instrument	2020K062021

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHOR
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000062020
Date	Oct 19, 2020
Instrument	2020K062020

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

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	$6,455.00 (+15.85%) Homeowner's exemption	$92,616 (+8.57%) Land $28,058 Building $64,558	$277,959 (+8.57%) Land $84,208 Building $193,752
2024		$85,305 (+21.4%) Land $25,843 Building $59,462	$256,017 (+21.44%) Land $77,560 Building $178,457
2022	$5,572.00 (+4.62%) Homeowner's exemption	$70,270 (+6.96%) Land $21,288 Building $48,982	$210,810 (+6.96%) Land $63,864 Building $146,946
2021	$5,326.00 Homeowner's exemption	$65,698 Land $19,903 Building $45,795	$197,094 Land $59,709 Building $137,385

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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