988 Ascot Dr, Elgin, IL 60123 Property Records

Kane County property record for 988 Ascot Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,449 sqft · built 1991
Lot Size	0.37 acres (1,617 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Mar 2020)
Tax Bill	$5,431 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-27-176-045`

Property Details

APN / Parcel Number

Primary APN	`06-27-176-045`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,449 sqft Living Area
Gross Area	1,904 sqft
Basement Area	455 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Frame
Lot Area	1,617 sqft (0.37 acres)
Lot Dimensions	58 ft deep x 28 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	988 ASCOT DR
City	ELGIN
State	IL
Zip	60123-6761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE MEADOW SUB - EAST 28.12 FT OF LOT 2
Legal Subdivision	PINE MEADOW SUB
Legal Block	3
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3016
Census Tract	851908

Owner

Source: Kane County records, as of July 21, 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	988 ASCOT DR, ELGIN, IL 60123-6761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUILD MORTGAGE CO
Mar 10, 2020	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2020 · Amount on Record
Deed Sale	Mar 10, 2020 · Amount on Record
Prior Sale	Oct 18, 2016 · Amount on Record
Deed Document Number	202012495
Prior Transfer Date	Nov 14, 2014
Prior Transfer Doc	0000004098
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	988 ASCOT DR, ELGIN, IL 60123-6761
Transaction Type	Mortgage
Record Updated	Dec 24, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049513
Date	Dec 12, 2025
Instrument	2025K049513

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 10, 2020
Property Address	988 ASCOT DR, ELGIN, IL 60123-6761
Document Number	0000012495
Instrument Date	Feb 7, 2020
Instrument	12495
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	988 ASCOT DR ELGIN IL 601236761, ELGIN, IL 60123-6761

Mortgage

Document Number	12496
Date	Mar 10, 2020
Instrument	12496

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 9, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 2025

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	$5,431.00 (+15.8%) Homeowner's exemption
2024		$72,945 (+21.39%) Land $13,077 Building $59,868	$218,923 (+21.44%) Land $39,247 Building $179,676
2022	$4,690.00 (+4.78%) Homeowner's exemption	$60,089 (+6.96%) Land $10,772 Building $49,317	$180,267 (+6.96%) Land $32,316 Building $147,951
2021	$4,476.00 Homeowner's exemption	$56,179 Land $10,071 Building $46,108	$168,537 Land $30,213 Building $138,324

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

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

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	IL AMERICAN-ROLLINS private · serves 231 people · EPA ID IL0895150
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	4 ppb (2026) action level 15 ppb
Copper	1.41 mg/L (2019–2021) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 336 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Astound Broadband.

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