965 Ripple Brook Ln, Elgin, IL 60120 Property Records

Cook County property record for 965 Ripple Brook Ln, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,745 sqft · built 1988
Lot Size	0.197 acres (8,591 sqft)
Owner	2 Company Names on File
Last Sale	$485,000 (Jul 2023)
Tax Bill	$8,257 (2023)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-07-208-022`

Property Details

APN / Parcel Number

Primary APN	`06-07-208-022`
Alternative APN	`06-07-208-022-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,745 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1989
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,591 sqft (0.197 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	965 RIPPLE BROOK LN
City	ELGIN
State	IL
Zip	60120-4902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(COBBLERS) (CROSSING) (UNIT1) BNG A SUB OF PT OF SEC 07-41-09
Legal Range	09E
Legal Township	41N
Legal Section	07
Legal Subdivision	COBBLERS CROSSING UNIT1
Legal Lot Number	177
Legal Unit	1
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	4
Census Block	4014
Census Tract	804403

Owner

965 Ripple Brook Ln is owned by a company that bought it in July 2023.

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

Owner of Record	2 Company Names on File
Mailing Address	1024 PROSPECT ST, ELGIN, IL 60120-2934
Owner Type	Company
Vesting	Life Tenant

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2023 · Amount on File
Deed Sale	Jul 26, 2023 · Amount on File
Prior Sale	Mar 18, 2009 · Amount on File
Deed Document Number	202316034
Prior Transfer Date	Dec 18, 1998
Prior Transfer Doc	0000000082
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	COOK IL
Recording Date	Jul 26, 2023
Property Address	965 RIPPLE BROOK LN, ELGIN, IL 60120-4902
Document Number	0020716034
Instrument Date	Jun 27, 2023
Instrument	2320716034
Transaction Type	Transfer
Record Updated	Apr 9, 2024
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 RIPPLE BROOK LN, ELGIN, IL 60120-4902

Mortgage

Document Number	0020716035
Date	Jul 26, 2023
Instrument	2320716035

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.87%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover 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		$45,000 Land $6,873 Building $38,127	$450,000 Land $68,730 Building $381,270
2023	$8,257.00 (+3.29%)
2022	$7,994.00 (+1.2%)	$31,999 (+21.88%) Land $6,013 Building $25,986	$319,990 (+21.88%) Land $60,130 Building $259,860
2021	$7,899.00 Homeowner's exemption	$26,255 Land $3,865 Building $22,390	$262,550 Land $38,650 Building $223,900

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

FEMA maps place 965 Ripple Brook Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 11, 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 965 Ripple Brook Ln 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	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 416 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20