984 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 984 Ruth Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,296 sqft · built 1967
Lot Size	0.291 acres (12,675 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Aug 2020)
Tax Bill	$6,882 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-10-104-012`

Property Details

APN / Parcel Number

Primary APN	`06-10-104-012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	2,592 sqft
1st Floor Area	1,296 sqft
Basement Area	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Frame
Lot Area	12,675 sqft (0.291 acres)
Lot Dimensions	169 ft deep x 75 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	984 RUTH DR
City	ELGIN
State	IL
Zip	60123-1953
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 5 LOT 8 (EXCEPT SOUTH 5 FT) BLOCK 14
Legal Subdivision	EAGLE HEIGHTS
Legal Block	14
Legal Lot Number	8
Legal Unit	5-8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3005
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	Individual Name on Record
Mailing Address	984 RUTH DR, ELGIN, IL 60123-1953
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Aug 18, 2020	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2020 · Amount on Record
Deed Sale	Aug 18, 2020 · Amount on Record
Deed Document Number	202046275
Prior Transfer Date	Oct 1, 1997
Prior Transfer Doc	0000071261
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	984 RUTH DR, ELGIN, IL 60123-1953
Transaction Type	Mortgage
Record Updated	Sep 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 RUTH DR, ELGIN, IL 60123-1953

Mortgage

Document Number	0000030387
Date	Sep 1, 2023
Instrument	2023K030387

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 30, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Aug 18, 2020
Property Address	984 RUTH DR, ELGIN, IL 60123-1953
Document Number	0000046275
Instrument Date	Aug 17, 2020
Instrument	2020K046275
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST UNITED TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 RUTH DR, ELGIN, IL 60123-1953

Mortgage

Document Number	0000046276
Date	Aug 18, 2020
Instrument	2020K046276

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$6,882.00 (+15.84%) Homeowner's exemption	$98,219 (+8.57%) Land $30,475 Building $67,744	$294,775 (+8.57%) Land $91,462 Building $203,313
2024		$90,466 (+21.39%) Land $28,069 Building $62,397	$271,507 (+21.44%) Land $84,241 Building $187,266
2022	$5,941.00 (+4.6%) Homeowner's exemption	$74,523 (+6.96%) Land $23,122 Building $51,401	$223,569 (+6.96%) Land $69,366 Building $154,203
2021	$5,680.00 Homeowner's exemption	$69,673 Land $21,617 Building $48,056	$209,019 Land $64,851 Building $144,168

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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