Cook County property record for 979 Ford Ave, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,348 sqft · built 1964 |
| Lot Size | 0.193 acres (8,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Feb 2018) |
| Tax Bill | $6,620 (2023) |
| Deeds & Mortgages | May 2026 Line of Credit Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-07-106-069 |
| Primary APN | 06-07-106-069 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,348 sqft Living Area |
| 1st Floor Area | 1,348 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Bungalow |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 8,400 sqft (0.193 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 979 FORD AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-2335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 9E |
| Legal Township | 41N |
| Legal Section | 07 |
| Legal Subdivision | THIRD ADDITION TO BLACKHAWK MANOR |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 804403 |
Source: Cook County records · APN 06-07-106-069
Assessment roll updated May 27, 2026 · Last verified June 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 | 979 FORD AVE, ELGIN, IL 60120-2335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Sep 22, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Feb 02, 2018 | Warranty Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MTG CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 02, 2018 · Amount on Record |
| Deed Sale | Feb 02, 2018 · Amount on Record |
| Deed Document Number | 20188052 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | May 20, 2026 |
| Property Address | 979 FORD AVE, ELGIN, IL 60120-2335 |
| Document Number | 0000008004 |
| Instrument Date | May 10, 2026 |
| Instrument | 20268004 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 979 FORD AVE, ELGIN, IL 60120-2335 |
| Investor | Possibly a Property Investor |
| Document Number | 0000008004, |
|---|---|
| Date | May 20, 2026 |
| Instrument | 20268004 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 979 FORD AVE, ELGIN, IL 60120-2335 |
| Document Number | 2031007432 |
| Instrument Date | Sep 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 979 FORD AVE ELGIN IL 601202335, ELGIN, IL 60120-2335 |
| Document Number | 2031007432 |
|---|---|
| Date | Nov 05, 2020 |
| Instrument | 31007432 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SE, WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Nov 04, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Feb 02, 2018 |
| Property Address | 979 FORD AVE, ELGIN, IL 60120-2335 |
| Document Number | 1803308052 |
| Instrument Date | Jan 31, 2018 |
| Instrument | 3308052 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2018 |
| Title Company | STARCK TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 979 FORD AVE ELGIN IL 601202335, ELGIN, IL 60120-2335 |
| Document Number | 1803308053 |
|---|---|
| Date | Feb 02, 2018 |
| Instrument | 3308053 |
| Name | FIRST CENTENNIAL MTG CORP |
|---|---|
| Address | AURORA, IL 60506 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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 | $29,000 (+26.09%) Land $5,880 Building $23,120 | $290,000 (+26.09%) Land $58,800 Building $231,200 | |
| 2023 | $6,620.00 (+2.89%) | ||
| 2022 | $6,434.00 | $23,000 Land $5,460 Building $17,540 | $230,000 Land $54,600 Building $175,400 |
Source: FEMA National Flood Hazard Layer, Cook County (17031C), updated February 11, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170318044032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 616 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 19 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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