920 Harbor Town Dr, Elgin, IL 60123 Property Records

Kane County property record for 920 Harbor Town Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,348 sqft · built 1991
Lot Size	0.193 acres (8,389 sqft)
Owner	2 Individual Names on File
Last Sale	$228,000 (Oct 2016)
Tax Bill	$8,142 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage Apr 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-277-003`

Property Details

APN / Parcel Number

Primary APN	`06-28-277-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,348 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Frame
Lot Area	8,389 sqft (0.193 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	920 HARBOR TOWN DR
City	ELGIN
State	IL
Zip	60123-6510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GLENS OF COLLEGE GREEN UNIT 1 LOT 912
Legal Subdivision	COLLEGE GREEN
Legal Block	3
Legal Lot Number	912
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3011
Census Tract	851908

Owner

920 Harbor Town Dr is owned and occupied by two individuals who bought it in October 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	920 HARBOR TOWN DR, ELGIN, IL 60123-6510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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 17, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Apr 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
May 25, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
May 1, 2020	Loan Modification, Mortgage · Conventional with PMI PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2016 · Amount on File
Deed Sale	Oct 6, 2016 · Amount on File
Prior Sale	Sep 2, 2016 · Amount on File
Deed Document Number	201654509
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	920 HARBOR TOWN DR, ELGIN, IL 60123-6510
Transaction Type	Mortgage
Record Updated	Jan 24, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 HARBOR TOWN DR, ELGIN, IL 60123-6510

Mortgage

Document Number	0000001619
Date	Jan 17, 2024
Instrument	2024K001619

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	ASHVILLE, AL 35953

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	317 Months
Due	Jun 1, 2050

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	920 HARBOR TOWN DR, ELGIN, IL 60123-6510
Transaction Type	Mortgage
Record Updated	Apr 14, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 HARBOR TOWN DR, ELGIN, IL 60123-6510

Mortgage

Document Number	0000010850
Date	Apr 6, 2023
Instrument	2023K010850

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	ASHVILLE, AL 35953

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	326 Months
Due	Jun 1, 2050

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	920 HARBOR TOWN DR, ELGIN, IL 60123-6510
Transaction Type	Mortgage
Record Updated	May 31, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 HARBOR TOWN DR, ELGIN, IL 60123-6510

Mortgage

Document Number	0000027689
Date	May 25, 2022
Instrument	2022K027689

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	920 HARBOR TOWN DR, ELGIN, IL 60123-6510
Document Number	0000027309
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 HARBOR TOWN DR ELGIN IL 601236510, ELGIN, IL 60123-6510

Mortgage

Document Number	0000027309
Date	May 28, 2020
Instrument	27309

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 27, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 920 Harbor Town Dr was $8,142 with a homeowner's exemption.

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	$8,142.00 Homeowner's exemption	$114,735 (+8.57%) Land $28,368 Building $86,367	$344,343 (+8.57%) Land $85,138 Building $259,205
2024		$105,679 Land $26,129 Building $79,550	$317,164 Land $78,418 Building $238,745
2022	$7,028.00 (+4.49%) Homeowner's exemption	$87,055 (+6.96%) Land $21,525 Building $65,530	$261,165 (+6.96%) Land $64,575 Building $196,590
2021	$6,726.00 Homeowner's exemption	$81,390 Land $20,124 Building $61,266	$244,170 Land $60,372 Building $183,798

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 920 Harbor Town Dr in Zone X, an area of minimal flood risk.

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

The area around 920 Harbor Town 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 477 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	100 / 20

May also be available: Metronet.

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