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972 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 972 Ruth Dr, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,404 sqft · built 1966
Lot Size0.265 acres (11,563 sqft)
OwnerIndividual Name on File
Tax Bill$6,187 (2025)
Deeds & MortgagesFeb 2020 Transfer
Flood ZoneZone X (minimal risk)
APN06-10-104-015

Property Details

APN / Parcel Number

Primary APN06-10-104-015

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,404 sqft Living Area
Gross Area2,808 sqft
1st Floor Area1,404 sqft
Basement Area1,404 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1966
Effective Year BuiltEffective 1966
Construction TypeFrame
Lot Area11,563 sqft (0.265 acres)
Lot Width70 ft Width
Garage TypeAttached
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address972 RUTH DR
CityELGIN
StateIL
Zip60123-1953
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionANDRESEN BROS EAGLE HEIGHTS UNIT 5 LOT 11 BLOCK 14
Legal SubdivisionEAGLE HEIGHTS
Legal Block14
Legal Lot Number11
Legal Unit5-11
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3005
Census Tract851910

Owner

972 Ruth Dr is owned and occupied by an individual who acquired it in February 2020.

Source: Kane County records, as of July 23, 2026

Owner of RecordIndividual Name on File
Mailing Address972 RUTH DR, ELGIN, IL 60123-1953
OccupancyOwner Occupied
Owner TypeIndividual

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 NamesName on Deed
Last Transfer DateFeb 1, 2020
Transfer Doc0000008804
Record UpdatedSep 20, 2026

February 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateFeb 19, 2020
Property Address972 RUTH DR, ELGIN, IL 60123-1953
Document Number0000008804
Instrument DateFeb 12, 2020
Instrument8804
Transaction TypeTransfer
Record UpdatedMar 4, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address972 RUTH DR ELGIN IL 601231953, ELGIN, IL 60123-1953

Tax Assessment & Valuation

The 2025 property tax bill for 972 Ruth Dr was $6,187 with exemptions applied.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,187.00 Homeowner's exemption Senior Citizen's exemption$97,104 (+8.57%) Land $28,858 Building $68,246$291,429 (+8.57%) Land $86,609 Building $204,820
2024$89,439 Land $26,580 Building $62,859$268,424 Land $79,772 Building $188,652
2022$5,434.00 (+5.23%) Homeowner's exemption$73,677 (+6.96%) Land $21,896 Building $51,781$221,031 (+6.96%) Land $65,688 Building $155,343
2021$5,164.00 Homeowner's exemption$68,883 Land $20,471 Building $48,412$206,649 Land $61,413 Building $145,236

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 972 Ruth Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims1 (1979)
Most Recent ClaimApr 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

Wildfire risk around 972 Ruth Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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

ProviderMax 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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