972 Deborah Ave, Elgin, IL 60123 Property Records

Kane County property record for 972 Deborah Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,144 sqft · built 1965
Lot Size	0.206 acres (8,960 sqft)
Owner	2 Individual Names on Record
Last Sale	$189,000 (Aug 2017)
Tax Bill	$6,102 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-10-105-031`

Property Details

APN / Parcel Number

Primary APN	`06-10-105-031`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	2,288 sqft
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Frame
Lot Area	8,960 sqft (0.206 acres)
Lot Dimensions	128 ft deep x 70 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	972 DEBORAH AVE
City	ELGIN
State	IL
Zip	60123-1919
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 2 LOT 8 BLOCK 12
Legal Subdivision	EAGLE HEIGHTS
Legal Block	12
Legal Lot Number	8
Legal Unit	2-8
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	2 Individual Names on Record
Mailing Address	972 DEBORAH AVE, ELGIN, IL 60123-1919
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2017 · Amount on Record
Deed Sale	Aug 2, 2017 · Amount on Record
Deed Document Number	201740167
Record Updated	Sep 20, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 2, 2017
Property Address	972 DEBORAH AVE, ELGIN, IL 60123-1919
Document Number	0000040167
Instrument Date	Jul 26, 2017
Instrument	40167
Transaction Type	Transfer
Record Updated	Sep 4, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1603 SHEFFIELD CT ELGIN IL 601231241, ELGIN, IL 60123-1241

Mortgage

Document Number	40168
Date	Aug 2, 2017
Instrument	40168

Lender

Name	SAUK VLY BK&TR
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

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	$6,102.00 (+15.83%) Homeowner's exemption
2024		$81,045 (+21.39%) Land $24,998 Building $56,047	$243,232 (+21.44%) Land $75,024 Building $168,208
2022	$5,268.00 (+4.67%) Homeowner's exemption	$66,762 (+6.96%) Land $20,593 Building $46,169	$200,286 (+6.96%) Land $61,779 Building $138,507
2021	$5,033.00 Homeowner's exemption	$62,418 Land $19,253 Building $43,165	$187,254 Land $57,759 Building $129,495

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 · 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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