984 Bruce Dr, Elgin, IL 60120 Property Records

Cook County property record for 984 Bruce Dr, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,484 sqft · built 1976
Lot Size	0.65 acres (28,298 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Aug 2022)
Tax Bill	$7,177 (2023)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-400-031`

Property Details

APN / Parcel Number

Primary APN	`06-18-400-031`
Alternative APN	`06-18-400-031-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,484 sqft Living Area
1st Floor Area	1,484 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1977
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	28,298 sqft (0.65 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	984 BRUCE DR
City	ELGIN
State	IL
Zip	60120-6830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(SECOND) ADD TO (HIGH) (VIEW) HILLS SUB PT OF SE & PT OF SW OF SEC 18-41-09
Legal Range	09E
Legal Township	41N
Legal Section	18
Legal Subdivision	SECOND ADD TO HIGH VIEW
Legal Lot Number	28
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2003
Census Tract	804405

Owner

Source: Cook County records · APN 06-18-400-031

Assessment roll updated May 27, 2026 · Last verified July 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 File
Mailing Address	984 BRUCE DR, ELGIN, IL 60120-6830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Aug 05, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED FIDELITY FUNDING CORP
Jul 22, 2022	Intrafamily Transfer, Transfer NATIONAL TITLE SOLUTIONS INC
May 19, 2020	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Nov 08, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 05, 2022 · Amount on Record
Deed Sale	Aug 05, 2022 · Amount on Record
Prior Sale	Nov 08, 2018 · Amount on Record
Deed Document Number	202246152
Prior Transfer Date	Jul 19, 2022
Prior Transfer Doc	0000020254
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	984 BRUCE DR, ELGIN, IL 60120-6830
Transaction Type	Mortgage
Record Updated	Jun 08, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 BRUCE DR, ELGIN, IL 60120-6830

Mortgage

Document Number	0011804285
Date	Apr 28, 2022
Instrument	2211804285

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Aug 05, 2022
Property Address	984 BRUCE DR, ELGIN, IL 60120-6830
Document Number	0021746152
Map Reference	DOC 16836013
Instrument Date	Jul 25, 2022
Instrument	2221746152
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 E HIGHLAND AVE, 150, ELGIN, IL 60120-5507

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	984 BRUCE DR, ELGIN, IL 60120-6830

Mortgage

Document Number	0021746153
Date	Aug 05, 2022
Instrument	2221746153

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2052

Interest

Rate Type	Fixed Rate
Rate	6.62%

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COOK IL
Recording Date	Jul 22, 2022
Property Address	984 BRUCE DR, ELGIN, IL 60120-6830
Document Number	0020320254
Map Reference	DOC 16836013
Instrument Date	Jul 19, 2022
Instrument	2220320254
Transaction Type	Transfer
Record Updated	Aug 03, 2022
Title Company	NATIONAL TITLE SOLUTIONS INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 BRUCE DR, ELGIN, IL 60120-6830

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	984 BRUCE DR, ELGIN, IL 60120-6830
Document Number	2021206059
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	984 BRUCE DR ELGIN IL 601206830, ELGIN, IL 60120-6830

Mortgage

Document Number	2021206059
Date	Jul 30, 2020
Instrument	21206059

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2050

Interest

Rate	3.5%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Nov 08, 2018
Property Address	984 BRUCE DR, ELGIN, IL 60120-6830
Document Number	1831247060
Instrument Date	Oct 25, 2018
Instrument	31247060
Transaction Type	Transfer
Record Updated	Nov 19, 2018

Transaction

Amount	Amount Recorded
Tax	$255.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	984 BRUCE DR ELGIN IL 601206830, ELGIN, IL 60120-6830

Tax Assessment & Valuation

Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover Township
Municipality	Elgin City
Unified School District	School 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$34,000 (+36%) Land $11,319 Building $22,681	$340,000 (+36%) Land $113,190 Building $226,810
2023	$7,177.00 (+2.93%)
2022	$6,973.00	$25,000 Land $12,500 Building $12,500	$250,000 Land $125,000 Building $125,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cook County (17031C), updated February 11, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 265 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20

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

Mobile Coverage

5G and 4G LTE

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