960 Harbor Town Dr, Elgin, IL 60123 Property Records

Kane County property record for 960 Harbor Town Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,476 sqft · built 1992
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,000 (Apr 2004)
Tax Bill	$6,750 (2025)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-280-002`

Property Details

APN / Parcel Number

Primary APN	`06-28-280-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,476 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Contemporary
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	960 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 3 LOT 852
Legal Subdivision	COLLEGE GREEN
Legal Block	3
Legal Lot Number	852
Legal Unit	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3010
Census Tract	851908

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	960 HARBOR TOWN DR, ELGIN, IL 60123-6510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2004 · Amount on Record
Deed Sale	Apr 12, 2004 · Amount on Record
Prior Sale	Feb 13, 2004 · Amount on Record
Deed Document Number	200444598
Last Transfer Date	Jan 22, 2016
Transfer Doc	0000008793
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	960 HARBOR TOWN DR, ELGIN, IL 60123-6510
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000084226
Date	Nov 8, 2021
Instrument	2021K084226

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2036

Interest

Rate Type	Fixed Rate
Rate	1.75%

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	$6,750.00 (+15.84%) Homeowner's exemption	$96,485 (+8.57%) Land $28,368 Building $68,117	$289,571 (+8.57%) Land $85,138 Building $204,433
2024		$88,869 (+21.39%) Land $26,129 Building $62,740	$266,714 (+21.44%) Land $78,418 Building $188,295
2022	$5,827.00 (+4.6%) Homeowner's exemption	$73,208 (+6.96%) Land $21,525 Building $51,683	$219,624 (+6.96%) Land $64,575 Building $155,049
2021	$5,571.00 Homeowner's exemption	$68,444 Land $20,124 Building $48,320	$205,332 Land $60,372 Building $144,960

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 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

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.

Nearby Properties on Harbor Town Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures