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975 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 975 Ruth Dr, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,832 sqft · built 1963
Lot Size0.22 acres (9,590 sqft)
Owner2 Individual Names on Record
Last Sale$257,000 (Nov 2021)
Tax Bill$7,786 (2025)
Deeds & MortgagesNov 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-10-105-009

Property Details

APN / Parcel Number

Primary APN06-10-105-009

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,832 sqft Living Area
Gross Area2,583 sqft
Basement Area751 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 1963
Construction TypeFrame
Foundation TypeRaised
Lot Area9,590 sqft (0.22 acres)
Lot Dimensions137 ft deep x 70 ft wide
Garage TypeAttached
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address975 RUTH DR
CityELGIN
StateIL
Zip60123-1933
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionANDRESEN BROS EAGLE HGTS UNIT 5 LOT 38 BLOCK 12
Legal SubdivisionEAGLE HGTS
Legal Block12
Legal Lot Number38
Legal Unit5-38
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3007
Census Tract851910

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address975 RUTH DR, ELGIN, IL 60123-1933
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 29, 2021 · Amount on Record
Deed SaleNov 29, 2021 · Amount on Record
Prior SaleMar 26, 2001 · Amount on Record
Deed Document Number202188719
Record UpdatedOct 29, 2026

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateNov 29, 2021
Property Address975 RUTH DR, ELGIN, IL 60123-1933
Document Number0000088719
Instrument DateNov 5, 2021
Instrument2021K088719
Transaction TypeTransfer
Record UpdatedDec 8, 2021
Title CompanyBAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE SERVICE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$257.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address975 RUTH DR, 975, ELGIN, IL 60123-1933

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address975 RUTH DR, ELGIN, IL 60123-1933

Mortgage

Document Number0000088720
DateNov 29, 2021
Instrument2021K088720
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2051

Tax Assessment & Valuation

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$7,786.00 (+15.86%) Homeowner's exemption$110,064 (+8.57%) Land $28,058 Building $82,006$330,324 (+8.57%) Land $84,208 Building $246,116
2024$101,376 (+21.4%) Land $25,843 Building $75,533$304,250 (+21.44%) Land $77,560 Building $226,690
2022$6,720.00 (+12.3%) Homeowner's exemption$83,509 (+6.96%) Land $21,288 Building $62,221$250,527 (+6.96%) Land $63,864 Building $186,663
2021$5,984.00 Homeowner's exemption$78,075 Land $19,903 Building $58,172$234,225 Land $59,709 Building $174,516

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 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

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

Wildfire RiskNot 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 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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