955 Harbor Town Dr, Elgin, IL 60123 Property Records

Kane County property record for 955 Harbor Town Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,348 sqft · built 1992
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,699 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-276-011`

Property Details

APN / Parcel Number

Primary APN	`06-28-276-011`

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
Gross Area	3,522 sqft
Basement Area	1,174 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	955 HARBOR TOWN DR
City	ELGIN
State	IL
Zip	60123-6509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GLENS OF COLLEGE GREEN UNIT 3 LOT 849
Legal Subdivision	COLLEGE GREEN
Legal Block	3
Legal Lot Number	849
Legal Unit	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3010
Census Tract	851908

Owner

955 Harbor Town Dr is owned and occupied by two individuals who acquired it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	955 HARBOR TOWN DR, ELGIN, IL 60123-6509
Occupancy	Owner Occupied
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
Jun 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GLOBAL EQUITY FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 9, 2021
Transfer Doc	0000020091
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	955 HARBOR TOWN DR, ELGIN, IL 60123-6509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025036
Date	Jun 17, 2019
Instrument	2019K025036

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 15, 2021
Property Address	955 HARBOR TOWN DR, ELGIN, IL 60123-6509
Document Number	0000020091
Map Reference	DOC 91K-30261
Instrument Date	Jan 9, 2021
Instrument	2021K020091
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	955 HARBOR TOWN DR, ELGIN, IL 60123-6509

Mortgage

Document Number	0000020092
Date	Mar 15, 2021
Instrument	2021K020092

Lender

Name	GLOBAL EQUITY FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	395 Months
Due	Feb 1, 2054

Interest

Rate Type	Fixed Rate
Rate	2.5%

Tax Assessment & Valuation

The 2025 property tax bill for 955 Harbor Town Dr was $8,699 with exemptions applied.

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	$8,699.00 Homeowner's exemption Senior Citizen's exemption	$130,028 (+8.57%) Land $28,368 Building $101,660	$390,240 (+8.57%) Land $85,138 Building $305,102
2024		$119,764 Land $26,129 Building $93,635	$359,436 Land $78,418 Building $281,017
2022	$6,681.00 (-2.81%) Homeowner's exemption	$98,658 (+6.96%) Land $21,525 Building $77,133	$295,974 (+6.96%) Land $64,575 Building $231,399
2021	$6,874.00 Homeowner's exemption	$92,238 Land $20,124 Building $72,114	$276,714 Land $60,372 Building $216,342

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

Flood

FEMA maps place 955 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 955 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	IL AMERICAN-ROLLINS private · serves 231 people · EPA ID IL0895150
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	4 ppb (2026) action level 15 ppb
Copper	1.41 mg/L (2019–2021) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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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