895 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 895 Ruth Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,052 sqft · built 1965
Lot Size	0.239 acres (10,400 sqft)
Owner	Individual Name on Record
Last Sale	$232,500 (Dec 2018)
Tax Bill	$8,001 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`06-10-105-018`

Property Details

APN / Parcel Number

Primary APN	`06-10-105-018`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,052 sqft Living Area
Gross Area	3,078 sqft
Basement Area	1,026 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Frame
Lot Area	10,400 sqft (0.239 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	895 RUTH DR
City	ELGIN
State	IL
Zip	60123-1951
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 5 LOT 29 BLOCK 12
Legal Subdivision	EAGLE HEIGHTS
Legal Block	12
Legal Lot Number	29
Legal Unit	5-29
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
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	Individual Name on Record
Mailing Address	895 RUTH DR, ELGIN, IL 60123-1951
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN LENDERS INC
Sep 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Dec 14, 2018	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2018 · Amount on Record
Deed Sale	Dec 14, 2018 · Amount on Record
Prior Sale	Jun 18, 1998 · Amount on Record
Deed Document Number	201860182
Prior Transfer Date	Apr 4, 1996
Prior Transfer Doc	0000026065
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	895 RUTH DR, ELGIN, IL 60123-1951
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032613
Date	Apr 26, 2021
Instrument	2021K032613

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company
Address	HUNTSVILLE, AL 35806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	895 RUTH DR, ELGIN, IL 60123-1951
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PRECISION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042132
Date	Sep 11, 2019
Instrument	2019K042132

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 14, 2018
Property Address	895 RUTH DR, ELGIN, IL 60123-1951
Document Number	0000060182
Instrument Date	Nov 6, 2018
Instrument	2018K060182
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	895 RUTH DR, 895, ELGIN, IL 60123-1951

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	895 RUTH DR, ELGIN, IL 60123-1951

Mortgage

Document Number	0000060183
Date	Dec 14, 2018
Instrument	2018K060183

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5.75%

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	$8,001.00 (+15.86%) Homeowner's exemption	$112,879 (+8.57%) Land $28,058 Building $84,821	$338,773 (+8.57%) Land $84,208 Building $254,565
2024		$103,969 (+21.39%) Land $25,843 Building $78,126	$312,032 (+21.44%) Land $77,560 Building $234,472
2022	$6,906.00 (+4.51%) Homeowner's exemption	$85,646 (+6.96%) Land $21,288 Building $64,358	$256,938 (+6.96%) Land $63,864 Building $193,074
2021	$6,608.00 Homeowner's exemption	$80,073 Land $19,903 Building $60,170	$240,219 Land $59,709 Building $180,510

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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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