978 Hillcrest Rd, Elgin, IL 60123 Property Records

Kane County property record for 978 Hillcrest Rd, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,743 sqft · built 1956
Lot Size	0.318 acres (13,871 sqft)
Owner	2 Individual Names on Record
Last Sale	$152,000 (Oct 1998)
Tax Bill	$8,018 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-03-478-008`

Property Details

APN / Parcel Number

Primary APN	`06-03-478-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,743 sqft Living Area
Gross Area	3,166 sqft
1st Floor Area	1,743 sqft
Basement Area	1,423 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick
Lot Area	13,871 sqft (0.318 acres)
Lot Width	58 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	978 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 5
Legal Subdivision	CENTURY OAKS 1ST ADDN
Legal Block	1
Legal Lot Number	5
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 23, 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	978 HILLCREST RD, ELGIN, IL 60123-1426
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 1998 · Amount on Record
Deed Sale	Oct 9, 1998 · Amount on Record
Deed Document Number	199892673
Last Transfer Date	Aug 27, 2010
Transfer Doc	0000057694
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	978 HILLCREST RD, ELGIN, IL 60123-1426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050614
Date	Sep 3, 2020
Instrument	2020K050614

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

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	$8,018.00 (+15.13%) Homeowner's exemption Senior Citizen's exemption	$121,099 (+8.57%) Land $28,128 Building $92,971	$363,442 (+8.57%) Land $84,418 Building $279,025
2024		$111,540 (+21.39%) Land $25,908 Building $85,632	$334,754 (+21.44%) Land $77,755 Building $256,999
2022	$6,964.00 (+17.14%) Homeowner's exemption	$91,883 (+6.96%) Land $21,342 Building $70,541	$275,649 (+6.96%) Land $64,026 Building $211,623
2021	$5,945.00 Homeowner's exemption	$85,904 Land $19,953 Building $65,951	$257,712 Land $59,859 Building $197,853

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

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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