974 Annandale Dr, Elgin, IL 60123 Property Records

Kane County property record for 974 Annandale Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,565 sqft · built 1991
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Apr 2026)
Tax Bill	$6,641 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Mar 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-28-278-020`

Property Details

APN / Parcel Number

Primary APN	`06-28-278-020`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,565 sqft Living Area
Gross Area	2,442 sqft
Basement Area	877 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	974 ANNANDALE DR
City	ELGIN
State	IL
Zip	60123-6502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GLENS OF COLLEGE GREEN UNIT 1 LOT 801
Legal Subdivision	COLLEGE GREEN
Legal Block	3
Legal Lot Number	801
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3015
Census Tract	851908

Owner

974 Annandale Dr is owned by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	117 W BLAIR ST, WEST CHICAGO, IL 60185-3301
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Apr 21, 2026	Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Mar 15, 2022	Intrafamily Transfer, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on File
Deed Sale	Apr 21, 2026 · Amount on File
Deed Document Number	202616060
Prior Transfer Date	Feb 11, 2022
Prior Transfer Doc	0000014437
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Apr 21, 2026
Property Address	974 ANNANDALE DR, ELGIN, IL 60123-6502
Document Number	0000016060
Instrument Date	Apr 13, 2026
Instrument	202616060
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,085.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	117 W BLAIR ST, WEST CHICAGO, IL 60185-3301

Mortgage

Document Number	0000016061,
Date	Apr 21, 2026
Instrument	202616061

Lender

Name	NEIGHBORHOOD LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.63%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 15, 2022
Property Address	974 ANNANDALE DR, ELGIN, IL 60123-6502
Document Number	0000014437
Map Reference	DOC 90K-39391
Instrument Date	Feb 11, 2022
Instrument	2022K014437
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 ANNANDALE DR, ELGIN, IL 60123-6502

Tax Assessment & Valuation

The 2025 property tax bill for 974 Annandale Dr was $6,641, up 5.2% from the year before.

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	$6,641.00 (+5.16%) Homeowner's exemption Senior Citizen's exemption	$103,049 (+8.57%) Land $28,368 Building $74,681	$309,271 (+8.57%) Land $85,138 Building $224,133
2024	$6,315.00	$94,915 Land $26,129 Building $68,786	$284,859 Land $78,418 Building $206,441
2022	$6,259.00 (+4.56%) Homeowner's exemption	$78,189 (+6.96%) Land $21,525 Building $56,664	$234,567 (+6.96%) Land $64,575 Building $169,992
2021	$5,986.00 Homeowner's exemption	$73,101 Land $20,124 Building $52,977	$219,303 Land $60,372 Building $158,931

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

FEMA maps place 974 Annandale Dr in Zone X, an area of minimal flood risk.

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

The area around 974 Annandale Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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