908 Elma Ave, Elgin, IL 60120 Property Records

Cook County property record for 908 Elma Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,028 sqft · built 1960
Lot Size	0.211 acres (9,174 sqft)
Owner	Individual Name on Record
Last Sale	$106,000 (Dec 2009)
Tax Bill	$6,332 (2023)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-06-120-028`

Property Details

APN / Parcel Number

Primary APN	`06-06-120-028`
Alternative APN	`06-06-120-028-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,028 sqft Living Area
1st Floor Area	1,028 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1961
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,174 sqft (0.211 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	908 ELMA AVE
City	ELGIN
State	IL
Zip	60120-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(FOURTH) ADD TO (BLACKHAWK) MANOR A RESUB OF PT THIRD ADD TO BLACKHAWK MANOR OF LTS324-487 SEC 06-41-09
Legal Range	09E
Legal Township	41N
Legal Section	06
Legal Subdivision	FOURTH ADD TO BLACKHAWK
Legal Lot Number	324-4
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1012
Census Tract	804313

Owner

Source: Cook County records, as of June 30, 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	924 CHIPPEWA DR, ELGIN, IL 60120-4019
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF OMAHA
Dec 4, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2009 · Amount on Record
Deed Sale	Dec 2, 2009 · Amount on Record
Prior Sale	Oct 1, 2009 · Amount on Record
Deed Document Number	200957086
Last Transfer Date	Oct 11, 2019
Transfer Doc	0000049043
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Jun 23, 2026
Property Address	908 ELMA AVE, ELGIN, IL 60120-2306
Document Number	0000025030
Instrument Date	Jun 16, 2026
Instrument	202625030
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 ELMA AVE, ELGIN, IL 60120-2306

Mortgage

Document Number	0000025030,
Date	Jun 23, 2026
Instrument	202625030

Lender

Name	FIRST NATIONAL BANK OF OMAHA

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Dec 4, 2019
Property Address	908 ELMA AVE, ELGIN, IL 60120-2306
Document Number	1933849043
Instrument Date	Oct 11, 2019
Instrument	33849043
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	924 CHIPPEWA DR ELGIN IL 601204019, ELGIN, IL 60120-4019

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover 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		$27,000 (+22.73%) Land $6,422 Building $20,578	$270,000 (+22.73%) Land $64,220 Building $205,780
2023	$6,332.00 (+2.91%)
2022	$6,153.00	$21,999 Land $5,963 Building $16,036	$219,990 Land $59,630 Building $160,360

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 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.

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 398 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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