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976 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 976 Ruth Dr, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,570 sqft · built 1966
Lot Size0.312 acres (13,578 sqft)
OwnerCompany Name on File
Last Sale$153,500 (Aug 2013)
Tax Bill$7,215 (2025)
Deeds & MortgagesJan 2026 Transfer
Dec 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN06-10-104-014

Property Details

APN / Parcel Number

Primary APN06-10-104-014

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,570 sqft Living Area
Gross Area3,140 sqft
1st Floor Area1,570 sqft
Basement Area1,570 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1966
Effective Year BuiltEffective 1966
Construction TypeFrame
Lot Area13,578 sqft (0.312 acres)
Lot Dimensions146 ft deep x 93 ft wide
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address976 RUTH DR
CityELGIN
StateIL
Zip60123-1953
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionANDRESEN BROS EAGLE HEIGHTS UNIT 5 (SLY 13 FT OF LOT 9 & ALL OF LOT 10) BLK 14
Legal SubdivisionEAGLE HEIGHTS
Legal Block14
Legal Lot Number9,10
Legal Unit5
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3005
Census Tract851910

Owner

Source: Kane County records · APN 06-10-104-014

Assessment roll updated December 26, 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 RecordCompany Name on File
Mailing Address976 RUTH DR, ELGIN, IL 60123-1953
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Jan 20, 2026Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Dec 29, 2017Deed of Trust, Mortgage · Conventional Mortgage
PNC MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 19, 2013 · Amount on Record
Deed SaleAug 19, 2013 · Amount on Record
Prior SaleSep 02, 2010 · Amount on Record
Deed Document Number201360833
Last Transfer DateDec 02, 2025
Transfer Doc0000002582
Record UpdatedSep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKANE IL
Recording DateJan 20, 2026
Property Address976 RUTH DR, ELGIN, IL 60123-1953
Document Number0000002582
Instrument DateDec 02, 2025
Instrument2026K002582
Transaction TypeTransfer
Record UpdatedJan 29, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address976 RUTH DR, ELGIN, IL 60123-1953

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address976 RUTH DR, ELGIN, IL 60123-1953
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000067568
DateDec 29, 2017
Instrument2017K067568
Lender
NamePNC MORTGAGE LLC
TypeLending Institution
AddressMIAMISBURG, OH 45342
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueJan 01, 2038
Interest
Rate3.87%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool 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.

YearTax BillAssessed ValueAssessed Market Value
2025$7,215.00 (+4.26%) Homeowner's exemption
2024$6,920.00 (+11.11%) Homeowner's exemption$94,477 (+21.39%) Land $27,805 Building $66,672$283,544 (+21.44%) Land $83,448 Building $200,096
2022$6,228.00 (+4.57%) Homeowner's exemption$77,827 (+6.96%) Land $22,905 Building $54,922$233,481 (+6.96%) Land $68,715 Building $164,766
2021$5,956.00 Homeowner's exemption$72,763 Land $21,415 Building $51,348$218,289 Land $64,245 Building $154,044

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Policies3 in force
Nearby Flood Claims1 (1979)
Most Recent ClaimApr 1979, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 367 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
Radiate HoldingsCable1,500 / 50
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20

May also be available at this address: Opiquad, T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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