971 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 971 Ruth Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,404 sqft · built 1965
Lot Size	0.253 acres (11,038 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Nov 2011)
Tax Bill	$6,786 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-10-105-010`

Property Details

APN / Parcel Number

Primary APN	`06-10-105-010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
Gross Area	2,808 sqft
1st Floor Area	1,404 sqft
Basement Area	1,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Frame
Lot Area	11,038 sqft (0.253 acres)
Lot Dimensions	147 ft deep x 75 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	971 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 (EXCEPT SOUTH 2 FT) LOT 37 BLOCK 12
Legal Subdivision	EAGLE HEIGHTS
Legal Block	12
Legal Lot Number	37
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 21, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	971 RUTH DR, ELGIN, IL 60123-1933
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Apr 29, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2011 · Amount on Record
Deed Sale	Nov 2, 2011 · Amount on Record
Deed Document Number	201165879
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	971 RUTH DR, ELGIN, IL 60123-1933
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009320
Date	Mar 21, 2024
Instrument	2024K009320

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 20, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	971 RUTH DR, ELGIN, IL 60123-1933
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	971 RUTH DR, ELGIN, IL 60123-1933

Mortgage

Document Number	0000023268
Date	Apr 29, 2022
Instrument	2022K023268

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 22, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$6,786.00 (+15.84%) Homeowner's exemption
2024		$89,300 (+21.39%) Land $26,580 Building $62,720	$268,007 (+21.44%) Land $79,772 Building $188,235
2022	$5,858.00 (+4.61%) Homeowner's exemption	$73,563 (+6.96%) Land $21,896 Building $51,667	$220,689 (+6.96%) Land $65,688 Building $155,001
2021	$5,600.00 Homeowner's exemption	$68,776 Land $20,471 Building $48,305	$206,328 Land $61,413 Building $144,915

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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