976 Deborah Ave, Elgin, IL 60123 Property Records

Kane County property record for 976 Deborah Ave, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,228 sqft · built 1962
Lot Size	0.2 acres (8,704 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Dec 2023)
Tax Bill	$6,094 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-10-105-030`

Property Details

APN / Parcel Number

Primary APN	`06-10-105-030`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,228 sqft Living Area
Gross Area	2,456 sqft
1st Floor Area	1,228 sqft
Basement Area	1,228 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Construction Type	Frame
Lot Area	8,704 sqft (0.2 acres)
Lot Dimensions	128 ft deep x 68 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	976 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 7 BLOCK 12
Legal Subdivision	EAGLE HEIGHTS
Legal Block	12
Legal Lot Number	7
Legal Unit	2-7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851910

Owner

Source: Kane County records · APN 06-10-105-030

Assessment roll updated August 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	310 N SPRING ST, ELGIN, IL 60120-4132
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 11, 2023 · Amount on Record
Deed Sale	Dec 11, 2023 · Amount on Record
Prior Sale	Aug 01, 2008 · Amount on Record
Deed Document Number	202343181
Prior Transfer Date	Nov 02, 1994
Prior Transfer Doc	0000084155
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 11, 2023
Property Address	976 DEBORAH AVE, ELGIN, IL 60123-1919
Document Number	0000043181
Instrument Date	Dec 05, 2023
Instrument	2023K043181
Transaction Type	Transfer
Record Updated	Dec 19, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	976 DEBORAH AVE, ELGIN, IL 60123-1919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 DEBORAH AVE, ELGIN, IL 60123-1919

Mortgage

Document Number	0000043182
Date	Dec 11, 2023
Instrument	2023K043182

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2054

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,094.00 (+15.81%)
2024		$80,952 (+21.39%) Land $24,998 Building $55,954	$242,953 (+21.44%) Land $75,024 Building $167,929
2022	$5,262.00 (+4.67%) Homeowner's exemption	$66,686 (+6.96%) Land $20,593 Building $46,093	$200,058 (+6.96%) Land $61,779 Building $138,279
2021	$5,027.00 Homeowner's exemption	$62,347 Land $19,253 Building $43,094	$187,041 Land $57,759 Building $129,282

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898519103, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979, rainfall accumulation
Nearby Flood Policies	3 in force 3 of 3 on primary residences
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.