985 Elma Ave, Elgin, IL 60120 Property Records

Cook County property record for 985 Elma Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,348 sqft · built 1967
Lot Size	0.192 acres (8,370 sqft)
Owner	Individual Name on File
Last Sale	$204,900 (Oct 2017)
Tax Bill	$6,308 (2023)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-06-123-028`

Property Details

APN / Parcel Number

Primary APN	`06-06-123-028`
Alternative APN	`06-06-123-028-0000`

Interior

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
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,370 sqft (0.192 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	985 ELMA AVE
City	ELGIN
State	IL
Zip	60120-2333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	9E
Legal Township	41N
Legal Section	06
Legal Subdivision	THIRD ADDITION TO BLACKHAWK MANOR
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1026
Census Tract	804313

Owner

985 Elma Ave is owned and occupied by an individual who bought it in October 2017.

Source: Cook County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	985 ELMA AVE, ELGIN, IL 60120-2333
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 24, 2017	Grant Deed, Transfer · FHA Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2017 · Amount on File
Deed Sale	Oct 24, 2017 · Amount on File
Deed Document Number	201710011
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	985 ELMA AVE, ELGIN, IL 60120-2333
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 ELMA AVE, ELGIN, IL 60120-2333

Mortgage

Document Number	0005616139
Date	Feb 25, 2021
Instrument	2105616139

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	CHICAGO, IL 60606

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Nov 1, 2050

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	COOK IL
Recording Date	Oct 24, 2017
Property Address	985 ELMA AVE, ELGIN, IL 60120-2333
Document Number	1729710011
Instrument Date	Sep 29, 2017
Instrument	29710011
Transaction Type	Transfer
Record Updated	Mar 12, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	985 ELMA AVE ELGIN IL 601202333, ELGIN, IL 60120-2333

Mortgage

Document Number	1729710012
Date	Oct 24, 2017
Instrument	29710012

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$28,651 Land $5,859 Building $22,792	$286,510 Land $58,590 Building $227,920
2023	$6,308.00 (+2.92%)
2022	$6,129.00	$21,913 Land $5,440 Building $16,473	$219,130 Land $54,400 Building $164,730

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

FEMA maps place 985 Elma Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 11, 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

The area around 985 Elma Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 398 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

Nearby Properties on Elma Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures