980 Deborah Ave, Elgin, IL 60123 Property Records

Kane County property record for 980 Deborah Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1961
Lot Size	0.217 acres (9,472 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Aug 2024)
Tax Bill	$6,506 (2025)
Deeds & Mortgages	May 2024 Sale Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-10-105-029`

Property Details

APN / Parcel Number

Primary APN	`06-10-105-029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	2,288 sqft
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Frame
Lot Area	9,472 sqft (0.217 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	980 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 6 BLOCK 12
Legal Subdivision	EAGLE HEIGHTS
Legal Block	12
Legal Lot Number	6
Legal Unit	2-6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851910

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	1248 S KINGS CROSS, 204, WEST CHICAGO, IL 60185-4904
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 13, 2024	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jan 28, 2020	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
May 16, 2019	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Dec 4, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2024 · Amount on Record
Deed Sale	Aug 5, 2024 · Amount on Record
Prior Sale	May 13, 2024 · Amount on Record
Deed Document Number	202427290
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 13, 2024
Property Address	980 DEBORAH AVE, ELGIN, IL 60123-1919
Document Number	0000015905
Instrument Date	May 10, 2024
Instrument	2024K015905
Transaction Type	Transfer
Record Updated	May 20, 2024
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	111 DOUGLAS AVE, ELGIN, IL 60120-5503

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	980 DEBORAH AVE, ELGIN, IL 60123-1919
Transaction Type	Mortgage
Record Updated	Feb 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	980 DEBORAH AVE, ELGIN, IL 60123-1919

Mortgage

Document Number	0000008549
Date	Feb 14, 2022
Instrument	2022K008549

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	980 DEBORAH AVE, ELGIN, IL 60123-1919
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005057
Date	Jan 28, 2020
Instrument	2020K005057

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate
Rate	4.75%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 16, 2019
Property Address	980 DEBORAH AVE, ELGIN, IL 60123-1919
Document Number	0000019730
Instrument Date	May 10, 2019
Instrument	2019K019730
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	MULTIPLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$226.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	980 DEBORAH AVE, ELGIN, IL 60123-1919

Mortgage

Document Number	0000019731
Date	May 16, 2019
Instrument	2019K019731

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate
Rate	5.75%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 4, 2018
Property Address	980 DEBORAH AVE, ELGIN, IL 60123-1919
Document Number	0000058308
Instrument Date	Nov 27, 2018
Instrument	58308
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$217.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	980 DEBORAH AVE ELGIN IL 601231919, ELGIN, IL 60123-1919

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	$6,506.00 (+15.83%)	$93,288 (+8.57%) Land $27,741 Building $65,547	$279,976 (+8.57%) Land $83,256 Building $196,720
2024		$85,924 (+21.39%) Land $25,551 Building $60,373	$257,875 (+21.44%) Land $76,684 Building $181,191
2022	$5,617.00 (+4.64%) Homeowner's exemption	$70,781 (+6.96%) Land $21,048 Building $49,733	$212,343 (+6.96%) Land $63,144 Building $149,199
2021	$5,368.00 Homeowner's exemption	$66,175 Land $19,678 Building $46,497	$198,525 Land $59,034 Building $139,491

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.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

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.

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 367 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 · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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