965 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 965 Ruth Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,459 sqft · built 1966
Lot Size	0.272 acres (11,850 sqft)
Owner	2 Individual Names on Record
Last Sale	$137,000 (Jun 1996)
Tax Bill	$7,086 (2025)
Deeds & Mortgages	Feb 2021 Re-recorded Document
Flood Zone	Zone X (minimal risk)
APN	`06-10-105-011`

Property Details

APN / Parcel Number

Primary APN	`06-10-105-011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,459 sqft Living Area
Gross Area	2,678 sqft
1st Floor Area	1,459 sqft
Basement Area	1,219 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Frame
Foundation Type	Raised
Lot Area	11,850 sqft (0.272 acres)
Lot Dimensions	150 ft deep x 79 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	965 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 SOUTH 2 FT OF LOT 37 & ALL OF LOT 36 BLOCK 12
Legal Subdivision	EAGLE HEIGHTS
Legal Block	12
Legal Lot Number	37,36
Legal Unit	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851910

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	965 RUTH DR, ELGIN, IL 60123-1933
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 1996 · Amount on Record
Deed Sale	Jun 4, 1996 · Amount on Record
Deed Document Number	199640382
Last Transfer Date	Dec 6, 2019
Transfer Doc	0000012520
Record Updated	Oct 29, 2026

February 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	KANE IL
Recording Date	Feb 17, 2021
Property Address	965 RUTH DR, ELGIN, IL 60123-1933
Document Number	0000012520
Instrument Date	Dec 6, 2019
Instrument	2021K012520
Record Updated	Jul 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	965 RUTH DR, 965, ELGIN, IL 60123-1933

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SUMMIT DR, GILBERTS, IL 60136-4036

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	$7,086.00 (+4.27%) Homeowner's exemption	$100,886 (+8.57%) Land $29,142 Building $71,744	$302,779 (+8.57%) Land $87,461 Building $215,318
2024	$6,796.00 (+11.1%)	$92,923 (+21.39%) Land $26,842 Building $66,081	$278,881 (+21.44%) Land $80,558 Building $198,322
2022	$6,117.00 (+4.58%) Homeowner's exemption	$76,547 (+6.96%) Land $22,112 Building $54,435	$229,641 (+6.96%) Land $66,336 Building $163,305
2021	$5,849.00 Homeowner's exemption	$71,566 Land $20,673 Building $50,893	$214,698 Land $62,019 Building $152,679

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 500 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

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 367 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 · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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