987 Reserve Dr, Elgin, IL 60124 Property Records

Kane County property record for 987 Reserve Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,098 sqft · built 2008
Owner	Individual Name on Record
Last Sale	$230,000 (Sep 2021)
Tax Bill	$4,921 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-29-428-076`

Property Details

APN / Parcel Number

Primary APN	`06-29-428-076`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,098 sqft Living Area
Gross Area	2,196 sqft
1st Floor Area	1,098 sqft
Basement Area	1,098 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Frame
Lot Width	34 ft Width

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	987 RESERVE DR
City	ELGIN
State	IL
Zip	60124-8834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESERVE, PHASE 2 PT OF LT 54 AS DESC IN DOC 2008K091103
Legal Subdivision	RESERVE
Legal Phase	2
Legal Block	2
Legal Lot Number	54
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2001
Census Tract	851912

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	987 RESERVE DR, ELGIN, IL 60124-8834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
May 3, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	Nov 2, 2015 · Amount on Record
Deed Document Number	202170920
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 17, 2021
Property Address	987 RESERVE DR, ELGIN, IL 60124-8834
Document Number	0000070920
Map Reference	DOC 2004K044951
Instrument Date	Sep 17, 2021
Instrument	2021K070920
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	987 RESERVE DR, ELGIN, IL 60124-8834

Mortgage

Document Number	0000070921
Date	Sep 17, 2021
Instrument	2021K070921

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	987 RESERVE DR, ELGIN, IL 60124-8834
Document Number	0000018439
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	May 22, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	987 RESERVE DR ELGIN IL 601248834, ELGIN, IL 60124-8834

Mortgage

Document Number	0000018439
Date	May 9, 2019
Instrument	18439

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2049

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	$4,921.00 (+3.04%) Homeowner's exemption Senior Citizen's exemption	$80,510 (+8.57%) Land $21,453 Building $59,057	$241,627 (+8.57%) Land $64,385 Building $177,242
2024		$74,155 (+21.39%) Land $19,760 Building $54,395	$222,554 (+21.44%) Land $59,304 Building $163,250
2022	$4,776.00 (+4.74%) Homeowner's exemption	$61,087 (+6.96%) Land $16,278 Building $44,809	$183,261 (+6.96%) Land $48,834 Building $134,427
2021	$4,560.00 Homeowner's exemption	$57,112 Land $15,219 Building $41,893	$171,336 Land $45,657 Building $125,679

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · 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	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 327 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 Fiber	1,000 / 1,000
Fox Valley Internet Fixed Wireless	100 / 20

May also be available: Verizon.

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