977 Annandale Dr, Elgin, IL 60123 Property Records

Kane County property record for 977 Annandale Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,348 sqft · built 1991
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$3,592 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-251-004`

Property Details

APN / Parcel Number

Primary APN	`06-28-251-004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,348 sqft Living Area
Gross Area	3,522 sqft
Basement Area	1,174 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	977 ANNANDALE DR
City	ELGIN
State	IL
Zip	60123-6506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GLENS OF COLLEGE GREEN UNIT 1 LOT 883
Legal Subdivision	COLLEGE GREEN
Legal Block	3
Legal Lot Number	883
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3010
Census Tract	851908

Owner

977 Annandale Dr is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	977 ANNANDALE DR, ELGIN, IL 60123-6506
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 8, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	977 ANNANDALE DR, ELGIN, IL 60123-6506
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068538
Date	Sep 8, 2021
Instrument	2021K068538

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	977 ANNANDALE DR, ELGIN, IL 60123-6506
Document Number	0000003651
Instrument Date	Jan 13, 2020
Transaction Type	Mortgage
Record Updated	Feb 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 ANNANDALE DR ELGIN IL 601236506, ELGIN, IL 60123-6506

Mortgage

Document Number	0000003651
Date	Jan 21, 2020
Instrument	3651

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 20, 2045

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	977 ANNANDALE DR, ELGIN, IL 60123-6506
Document Number	0000045365
Instrument Date	Sep 10, 2018
Transaction Type	Mortgage
Record Updated	Sep 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 ANNANDALE DR ELGIN IL 601236506, ELGIN, IL 60123-6506

Mortgage

Document Number	0000045365
Date	Sep 17, 2018
Instrument	45365

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 16, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 977 Annandale Dr was $3,592 with exemptions applied.

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	$3,592.00 Homeowner's exemption Senior Citizen's exemption	$130,333 (+8.57%) Land $28,368 Building $101,965	$391,155 (+8.57%) Land $85,138 Building $306,017
2024		$120,045 Land $26,129 Building $93,916	$360,279 Land $78,418 Building $281,861
2022	$4,517.00 (-2.8%) Homeowner's exemption	$98,890 (+6.96%) Land $21,525 Building $77,365	$296,670 (+6.96%) Land $64,575 Building $232,095
2021	$4,647.00 Homeowner's exemption	$92,455 Land $20,124 Building $72,331	$277,365 Land $60,372 Building $216,993

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 977 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 977 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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