970 Harbor Town Dr, Elgin, IL 60123 Property Records

Kane County property record for 970 Harbor Town Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,655 sqft · built 1992
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$147,500 (Aug 1996)
Tax Bill	$7,635 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-280-001`

Property Details

APN / Parcel Number

Primary APN	`06-28-280-001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,655 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	970 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 851
Legal Subdivision	COLLEGE GREEN
Legal Block	3
Legal Lot Number	851
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	970 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	Aug 15, 1996 · Amount on Record
Deed Sale	Aug 15, 1996 · Amount on Record
Deed Document Number	199658485
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	970 HARBOR TOWN DR, ELGIN, IL 60123-6510
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074680
Date	Dec 3, 2020
Instrument	2020K074680

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

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	$7,635.00 (+15.86%) Homeowner's exemption	$109,118 (+8.57%) Land $28,368 Building $80,750	$327,485 (+8.57%) Land $85,138 Building $242,347
2024		$100,505 (+21.39%) Land $26,129 Building $74,376	$301,636 (+21.44%) Land $78,418 Building $223,217
2022	$6,590.00 (+4.29%) Homeowner's exemption	$82,793 (+7.76%) Land $21,525 Building $61,268	$248,379 (+7.76%) Land $64,575 Building $183,804
2021	$6,319.00 Homeowner's exemption	$76,829 Land $20,124 Building $56,705	$230,487 Land $60,372 Building $170,115

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

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.

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