954 Cookane Ave, Elgin, IL 60120 Property Records

Kane County property record for 954 Cookane Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 912 sqft · built 1894
Lot Size	0.174 acres (7,600 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,191 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-24-487-010`

Property Details

APN / Parcel Number

Primary APN	`06-24-487-010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
Gross Area	1,740 sqft
1st Floor Area	912 sqft
Basement Area	828 sqft

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1894
Construction Type	Frame
Lot Area	7,600 sqft (0.174 acres)
Lot Dimensions	152 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	954 COOKANE AVE
City	ELGIN
State	IL
Zip	60120-8450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINZLAR ADDN LOT 2 BLOCK 9
Legal Subdivision	WINZLAR ADDN
Legal Block	9
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1025
Census Tract	851400

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	954 COOKANE AVE, ELGIN, IL 60120-8450
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2017	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA
Feb 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 13, 2016
Transfer Doc	0000023985
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	954 COOKANE AVE, ELGIN, IL 60120-8450
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045346
Date	Aug 29, 2017
Instrument	2017K045346

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	954 COOKANE AVE, ELGIN, IL 60120-8450
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004257
Date	Feb 1, 2019
Instrument	2019K004257

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

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

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	$2,191.00 (-30.95%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$56,147 (+8.57%) Land $14,696 Building $41,451	$168,508 (+8.57%) Land $44,106 Building $124,403
2024		$51,715 (+21.39%) Land $13,536 Building $38,179	$155,207 (+21.44%) Land $40,624 Building $114,583
2022	$3,173.00 (+5.14%) Homeowner's exemption	$42,602 (+6.96%) Land $11,151 Building $31,451	$127,806 (+6.96%) Land $33,453 Building $94,353
2021	$3,018.00 Homeowner's exemption	$39,829 Land $10,425 Building $29,404	$119,487 Land $31,275 Building $88,212

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	102 (1979–2020)
Claims Outside the SFHA	11 of 102
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 14 claims Severe Storms And Flooding, Sep 2008 · 35 claims

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	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 270 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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