907 Carlsbad Ct, Elgin, IL 60123 Property Records

Kane County property record for 907 Carlsbad Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,580 sqft · built 1996
Owner	2 Individual Names on Record
Last Sale	$280,000 (Mar 2025)
Tax Bill	$1,572 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-28-176-022`

Property Details

APN / Parcel Number

Primary APN	`06-28-176-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,580 sqft Living Area
1st Floor Area	1,580 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Condo/Apartment
Construction Type	Frame
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	907 CARLSBAD CT
City	ELGIN
State	IL
Zip	60123-6574
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SIERRA RIDGE CONDOMINIUMS UNIT 513B
Legal Subdivision	SIERRA RIDGE CONDOS
Legal Block	3
Legal Unit	513B
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851908

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	139 SNOW DRIFT CIR, BARTLETT, IL 60103
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2025 · Amount on Record
Deed Sale	Mar 21, 2025 · Amount on Record
Prior Sale	Aug 22, 1996 · Amount on Record
Deed Document Number	202510074
Prior Transfer Date	Dec 8, 2005
Prior Transfer Doc	0000000932
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	907 CARLSBAD CT, ELGIN, IL 60123-6574
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061780
Date	Dec 19, 2019
Instrument	2019K061780

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	90690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2049

Interest

Rate Type	Adjustable Rate
Rate	7.34%
Change Frequency	Monthly

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	$1,572.00 (-29.22%)	$79,943 (+8.57%) Land $17,968 Building $61,975	$239,925 (+8.57%) Land $53,926 Building $185,999
2024		$73,633 (+21.39%) Land $16,550 Building $57,083	$220,987 (+21.44%) Land $49,670 Building $171,318
2022	$2,221.00 (-2.8%) Homeowner's exemption	$60,657 (+6.96%) Land $13,634 Building $47,023	$181,971 (+6.96%) Land $40,902 Building $141,069
2021	$2,285.00 Homeowner's exemption	$56,710 Land $12,747 Building $43,963	$170,130 Land $38,241 Building $131,889

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

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.

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 231 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
Starlink Satellite	280 / 30
Fox Valley Internet Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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