988 Hillcrest Rd, Elgin, IL 60123 Property Records

Kane County property record for 988 Hillcrest Rd, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,656 sqft · built 1958
Lot Size	0.734 acres (31,970 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,142 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-03-453-033`

Property Details

APN / Parcel Number

Primary APN	`06-03-453-033`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,656 sqft Living Area
Gross Area	2,016 sqft
1st Floor Area	1,656 sqft
Basement Area	360 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Construction Type	Frame
Lot Area	31,970 sqft (0.734 acres)
Lot Dimensions	278 ft deep x 115 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	988 HILLCREST RD
City	ELGIN
State	IL
Zip	60123-1462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS 2ND ADDN LOT 56
Legal Subdivision	CENTURY OAKS 2ND ADDN
Legal Block	1
Legal Lot Number	56
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1017
Census Tract	851000

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	2 Individual Names on Record
Mailing Address	988 HILLCREST RD, ELGIN, IL 60123-1462
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 20, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 2, 2020	Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2020
Deed Sale	Jul 2, 2020
Prior Sale	Oct 15, 2003 · Amount on Record
Deed Document Number	202035640
Prior Transfer Date	May 13, 2020
Prior Transfer Doc	0000035640
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	988 HILLCREST RD, ELGIN, IL 60123-1462
Transaction Type	Mortgage
Record Updated	Mar 28, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014906
Date	Mar 17, 2022
Instrument	2022K014906

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2047

Interest

Rate	3.12%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	988 HILLCREST RD, ELGIN, IL 60123-1462
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030995
Date	Apr 20, 2021
Instrument	2021K030995

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	318 Months
Due	Oct 1, 2047

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jul 2, 2020
Property Address	988 HILLCREST RD, ELGIN, IL 60123-1462
Document Number	0000035640
Instrument Date	May 13, 2020
Instrument	2020K035640
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	988 HILLCREST RD, 988, ELGIN, IL 60123-1462

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	988 HILLCREST RD, ELGIN, IL 60123-1462

Mortgage

Document Number	0000035641
Date	Jul 2, 2020
Instrument	2020K035641

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 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	$7,142.00 (+15.85%) Homeowner's exemption
2024		$93,602 (+21.39%) Land $27,267 Building $66,335	$280,918 (+21.44%) Land $81,834 Building $199,085
2022	$6,165.00 (+4.56%) Homeowner's exemption	$77,107 (+6.96%) Land $22,462 Building $54,645	$231,321 (+6.96%) Land $67,386 Building $163,935
2021	$5,896.00 Homeowner's exemption	$72,089 Land $21,000 Building $51,089	$216,267 Land $63,000 Building $153,267

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	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 264 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

May also be available: AT&T, Fox Valley Internet, T-Mobile.

Nearby Properties on Hillcrest Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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