955 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 955 Ruth Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,520 sqft · built 1965
Lot Size	0.238 acres (10,384 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,550 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-10-105-012`

Property Details

APN / Parcel Number

Primary APN	`06-10-105-012`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,520 sqft Living Area
Gross Area	3,040 sqft
1st Floor Area	1,520 sqft
Basement Area	1,520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Frame
Lot Area	10,384 sqft (0.238 acres)
Lot Width	98 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	955 RUTH DR
City	ELGIN
State	IL
Zip	60123-1933
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 5 LOT 35 BLOCK 12
Legal Subdivision	EAGLE HEIGHTS
Legal Block	12
Legal Lot Number	35
Legal Unit	5-35
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851910

Owner

Source: Kane County assessment roll, 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 File
Mailing Address	816 VILLAGE CIR, MARENGO, IL 60152-3636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · Line of Credit CORPORATE AMERICA FAMILY CU
Mar 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Mar 26, 2024
Transfer Doc	0000009770
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	955 RUTH DR, ELGIN, IL 60123-1933
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037495
Date	Oct 25, 2023
Instrument	2023K037495

Lender

Name	CORPORATE AMERICA FAMILY CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 24, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	955 RUTH DR, ELGIN, IL 60123-1933
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013219
Date	Mar 13, 2020
Instrument	2020K013219

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

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	$6,550.00 (+13.95%)	$101,867 (+8.57%) Land $30,016 Building $71,851	$305,723 (+8.57%) Land $90,084 Building $215,639
2024		$93,826 (+21.39%) Land $27,647 Building $66,179	$281,591 (+21.44%) Land $82,974 Building $198,616
2022	$5,748.00 (+5.18%) Homeowner's exemption	$77,291 (+6.96%) Land $22,775 Building $54,516	$231,873 (+6.96%) Land $68,325 Building $163,548
2021	$5,465.00 Homeowner's exemption	$72,262 Land $21,293 Building $50,969	$216,786 Land $63,879 Building $152,907

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

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	Not rated no burnable land within ember reach

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 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Opiquad, T-Mobile USA.

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