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956 Ripple Brook Ln, Elgin, IL 60120 Property Records

Cook County property record for 956 Ripple Brook Ln, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,421 sqft · built 1988
Lot Size0.184 acres (8,001 sqft)
OwnerIndividual Name on Record
Last Sale$290,000 (Apr 2020)
Tax Bill$7,681 (2023)
Deeds & MortgagesJul 2021 Mortgage
Apr 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-07-207-008

Property Details

APN / Parcel Number

Primary APN06-07-207-008
Alternative APN
  • 06-07-207-008-0000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,421 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1989
Architectural StyleMulti-Level
Exterior MaterialWood
Construction TypeFrame
Roof MaterialAsphalt
Lot Area8,001 sqft (0.184 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address956 RIPPLE BROOK LN
CityELGIN
StateIL
Zip60120-4900
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPART S07 T41N R09E 3P
Legal Range9E
Legal Township41N
Legal Section07
Legal SubdivisionCOBBLERS CROSSING UNIT1 BNG A SUB
Legal Lot Number163
JurisdictionCOOK IL
Township / Civil DivisionHANOVER
Census Block Group4
Census Block4012
Census Tract804403

Owner

Source: Cook County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address956 RIPPLE BROOK LN, ELGIN, IL 60120-4900
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

DateDocument
Jul 28, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Apr 16, 2020Warranty Deed, Transfer · Conventional Mortgage
STEARNS LENDING LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 16, 2020 · Amount on Record
Deed SaleApr 16, 2020 · Amount on Record
Deed Document Number202021084
Record UpdatedOct 29, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOOK IL
Property Address956 RIPPLE BROOK LN, ELGIN, IL 60120-4900
Transaction TypeMortgage
Record UpdatedApr 9, 2024
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0020918450
DateJul 28, 2021
Instrument2120918450
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueAug 1, 2036
Interest
Rate TypeFixed Rate
Rate2.5%

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOOK IL
Recording DateApr 16, 2020
Property Address956 RIPPLE BROOK LN, ELGIN, IL 60120-4900
Document Number0010721084
Instrument DateMar 9, 2020
Instrument2010721084
Transaction TypeTransfer
Record UpdatedApr 11, 2022
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$290.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address956 RIPPLE BROOK LN, ELGIN, IL 60120-4900

Mortgage

Document Number0010721085
DateApr 16, 2020
Instrument2010721085
Lender
NameSTEARNS LENDING LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2050
Interest
Rate4%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyCook County
County SubdivisionHanover Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$43,000 (+43.34%) Land $6,401 Building $36,599$430,000 (+43.34%) Land $64,010 Building $365,990
2023$7,681.00 (+3.31%)
2022$7,435.00 Homeowner's exemption$29,999 Land $5,600 Building $24,399$299,990 Land $56,000 Building $243,990

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 416 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Astound Broadband
Cable		1,500 / 50
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

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