974 Hillcrest Rd, Elgin, IL 60123 Property Records

Kane County property record for 974 Hillcrest Rd, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,170 sqft · built 1956
Lot Size	0.326 acres (14,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$164,000 (Jan 1999)
Tax Bill	$8,208 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-03-478-010`

Property Details

APN / Parcel Number

Primary APN	`06-03-478-010`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,170 sqft Living Area
Gross Area	3,500 sqft
Basement Area	1,330 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick
Lot Area	14,200 sqft (0.326 acres)
Lot Dimensions	142 ft deep x 100 ft wide
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	974 HILLCREST RD
City	ELGIN
State	IL
Zip	60123-1426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS 1ST ADDN LOT 7
Legal Subdivision	CENTURY OAKS 1ST ADDN
Legal Block	1
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1005
Census Tract	851000

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	974 HILLCREST RD, ELGIN, IL 60123-1426
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Nov 7, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 9, 2019	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 1999 · Amount on Record
Deed Sale	Jan 20, 1999 · Amount on Record
Deed Document Number	19997008
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	974 HILLCREST RD, ELGIN, IL 60123-1426
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 HILLCREST RD, ELGIN, IL 60123-1426
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011572
Date	Mar 24, 2026
Instrument	2026K011572

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2056

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	974 HILLCREST RD, ELGIN, IL 60123-1426
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 HILLCREST RD, ELGIN, IL 60123-1426

Mortgage

Document Number	0000053875
Date	Nov 7, 2022
Instrument	2022K053875

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Sep 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	974 HILLCREST RD, ELGIN, IL 60123-1426
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	PRAIRIE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068681
Date	Sep 9, 2021
Instrument	2021K068681

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.93%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 9, 2019
Property Address	974 HILLCREST RD, ELGIN, IL 60123-1426
Document Number	0000029175
Instrument Date	Jun 28, 2019
Instrument	2019K029175
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	309 NEW INDIAN TRAIL CT, 309, AURORA, IL 60506-2411

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	974 HILLCREST RD, ELGIN, IL 60123-1426
Investor	Possibly a Property Investor

Mortgage

Document Number	0000029177
Date	Jul 9, 2019
Instrument	2019K029177

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 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	$8,208.00 (+4.16%) Homeowner's exemption
2024	$7,880.00 (+11.24%)	$106,466 (+21.39%) Land $25,908 Building $80,558	$319,526 (+21.44%) Land $77,755 Building $241,771
2022	$7,084.00 (+4.48%) Homeowner's exemption	$87,703 (+6.96%) Land $21,342 Building $66,361	$263,109 (+6.96%) Land $64,026 Building $199,083
2021	$6,780.00 Homeowner's exemption	$81,996 Land $19,953 Building $62,043	$245,988 Land $59,859 Building $186,129

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

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	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 264 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

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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