900 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 900 Ruth Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,856 sqft · built 1968
Lot Size	0.257 acres (11,200 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Jan 2026)
Tax Bill	$8,824 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`06-09-231-021`

Property Details

APN / Parcel Number

Primary APN	`06-09-231-021`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,856 sqft Living Area
Gross Area	3,712 sqft
1st Floor Area	1,856 sqft
Basement Area	1,856 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Construction Type	Frame
Lot Area	11,200 sqft (0.257 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	900 RUTH DR
City	ELGIN
State	IL
Zip	60123-1934
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 5 LOT 7 BLOCK 16
Legal Subdivision	EAGLE HEIGHTS
Legal Block	16
Legal Lot Number	7
Legal Unit	5-7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3003
Census Tract	851910

Owner

900 Ruth Dr is owned by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1995 MONDAY DR, ELGIN, IL 60123-1223
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
Jan 8, 2026	Warranty Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Aug 19, 2020	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Sep 25, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2026 · Amount on File
Deed Sale	Jan 8, 2026 · Amount on File
Prior Sale	Aug 19, 2020 · Amount on File
Deed Document Number	2026917
Prior Transfer Date	Aug 20, 2018
Prior Transfer Doc	0000046779
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 8, 2026
Property Address	900 RUTH DR, ELGIN, IL 60123-1934
Document Number	0000000917
Instrument Date	Dec 9, 2025
Instrument	2026K000917
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	UNKNOWN, STARCK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	900 RUTH DR, ELGIN, IL 60123-1934

Mortgage

Document Number	0000000918
Date	Jan 8, 2026
Instrument	2026K000918

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 19, 2020
Property Address	900 RUTH DR, ELGIN, IL 60123-1934
Document Number	0000046486
Instrument Date	Jul 27, 2020
Instrument	2020K046486
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATA GMT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 RUTH DR, ELGIN, IL 60123-1934

Mortgage

Document Number	0000046487
Date	Aug 19, 2020
Instrument	2020K046487

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Sep 25, 2018
Property Address	900 RUTH DR, ELGIN, IL 60123-1934
Document Number	0000046779
Instrument Date	Aug 20, 2018
Instrument	46779
Transaction Type	Transfer
Record Updated	Oct 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	900 RUTH DR ELGIN IL 601231934, ELGIN, IL 60123-1934

Tax Assessment & Valuation

The 2025 property tax bill for 900 Ruth Dr was $8,824, up 4.1% 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	$8,824.00 (+4.12%) Homeowner's exemption	$123,672 (+8.57%) Land $37,005 Building $86,667	$371,164 (+8.57%) Land $111,059 Building $260,105
2024	$8,475.00 Homeowner's exemption	$113,910 Land $34,084 Building $79,826	$341,867 Land $102,293 Building $239,574
2022	$7,616.00 (+4.46%) Homeowner's exemption	$93,835 (+6.96%) Land $28,077 Building $65,758	$281,505 (+6.96%) Land $84,231 Building $197,274
2021	$7,291.00 Homeowner's exemption	$87,729 Land $26,250 Building $61,479	$263,187 Land $78,750 Building $184,437

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 900 Ruth Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

The area around 900 Ruth Dr 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.

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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