Cook County property record for 866 Elma Ave, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,739 sqft · built 1958 |
| Lot Size | 0.248 acres (10,787 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Apr 2010) |
| Tax Bill | $5,190 (2023) |
| Deeds & Mortgages | Jul 2020 Mortgage Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-06-106-090 |
| Primary APN | 06-06-106-090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,739 sqft Living Area |
| 1st Floor Area | 1,739 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Bungalow |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 10,787 sqft (0.248 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 866 ELMA AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-2304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | (THIRD) ADD TO (BLACKHAWK)(MANOR) SUB PT OF SECS 6 & 7 SEC 07-41-09 |
| Legal Range | 09E |
| Legal Township | 41N |
| Legal Section | 07 |
| Legal Subdivision | THIRD ADD TO BLACKHAWK MANOR |
| Legal Lot Number | 423,4 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 804313 |
866 Elma Ave is owned and occupied by an individual who bought it in April 2010.
Source: Cook County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 866 ELMA AVE, ELGIN, IL 60120-2304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Aug 9, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 14, 2010 · Amount on File |
| Deed Sale | Apr 14, 2010 · Amount on File |
| Prior Sale | Jan 12, 2005 · Amount on File |
| Deed Document Number | 201047021 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 866 ELMA AVE, ELGIN, IL 60120-2304 |
| Document Number | 2026733244 |
| Instrument Date | Jul 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 866 ELMA AVE ELGIN IL 601202304, ELGIN, IL 60120-2304 |
| Document Number | 2026733244 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 26733244 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 22, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 866 ELMA AVE, ELGIN, IL 60120-2304 |
| Document Number | 1723357007 |
| Instrument Date | Aug 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2017 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Name | Verified Name |
|---|---|
| Address | 866 ELMA AVE ELGIN IL 601202304, ELGIN, IL 60120-2304 |
| Document Number | 1723357007 |
|---|---|
| Date | Aug 21, 2017 |
| Instrument | 23357007 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Address | GURNEE, IL 60031-1811 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Aug 20, 2022 |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $27,000 Land $7,551 Building $19,449 | $270,000 Land $75,510 Building $194,490 | |
| 2023 | $5,190.00 (-9.83%) | ||
| 2022 | $5,756.00 Homeowner's exemption | $23,999 Land $4,314 Building $19,685 | $239,990 Land $43,140 Building $196,850 |
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.
FEMA maps place 866 Elma Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 11, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 866 Elma Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 616 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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