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989 Cookane Ave, Elgin, IL 60120 Property Records

Cook County property record for 989 Cookane Ave, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,436 sqft · built 1999
Lot Size0.324 acres (14,100 sqft)
OwnerIndividual Name on File
Last Sale$212,000 (Feb 2020)
Tax Bill$6,908 (2023)
Deeds & MortgagesFeb 2020 Sale & Mortgage
Jun 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APN06-19-321-055

Property Details

APN / Parcel Number

Primary APN06-19-321-055
Alternative APN
  • 06-19-321-055-0000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,436 sqft Living Area

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 2000
Architectural StyleMulti-Level
Exterior MaterialWood
Construction TypeFrame
Roof MaterialAsphalt
Lot Area14,100 sqft (0.324 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address989 COOK KANE RD
CityELGIN
StateIL
Zip60120
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionL1-L11 BLUFF FEN SW1/4 S19 T41N R0 9E
Legal Range9E
Legal Township41N
Legal Section19
Legal SubdivisionBLUFF FEN
Legal Lot Number11
JurisdictionCOOK IL
Township / Civil DivisionHANOVER
Census Block Group1
Census Block1016
Census Tract804406

Owner

989 Cookane Ave is owned by an individual who bought it in February 2020.

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

Owner of RecordIndividual Name on File
Mailing Address989 COOKANE AVE, ELGIN, IL 60120-8502
Owner TypeIndividual
VestingJoint Tenants

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

DateDocument
Feb 7, 2020Warranty Deed, Subdivision Related Transfer · Conventional with PMI
EAGLE HM MTG
Jun 20, 2017Loan Modification, Mortgage · Line of Credit
GERMAN AM CAP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 7, 2020 · Amount on File
Deed SaleFeb 7, 2020 · Amount on File
Prior SaleNov 7, 2013 · Amount on File
Deed Document Number20208172
Prior Transfer DateJan 30, 2013
Prior Transfer Doc0000057027
Record UpdatedOct 29, 2026

February 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionCOOK IL
Recording DateFeb 7, 2020
Property Address989 COOKANE AVE, ELGIN, IL 60120-8502
Document Number2003808172
Instrument DateJan 10, 2020
Instrument3808172
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 21, 2020
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$212.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address989 COOKANE AVE ELGIN IL 601208502, ELGIN, IL 60120-8502

Mortgage

Document Number2003808173
DateFeb 7, 2020
Instrument3808173
Lender
NameEAGLE HM MTG
TypeMortgage Company
AddressMIAMI, FL 33172-3139
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueFeb 6, 2050
Interest
Rate TypeFixed Rate
Rate3.87%

June 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionCOOK IL
Recording DateJun 20, 2017
Property Address989 COOKANE AVE, ELGIN, IL 60120-8502
Document Number1717147010
Instrument DateJun 15, 2017
Instrument17147010
Transaction TypeMortgage
Record UpdatedAug 23, 2018
Title CompanySERVICELINK

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address909 N SEPULVEDA BLVD #840 EL SEGUNDO CA 902452718, 840, EL SEGUNDO, CA 90245-2718

Mortgage

Document Number1717147010
DateJun 20, 2017
Instrument17147010
Lender
NameGERMAN AM CAP
TypeFunding / Finance Company
Address60 WALL ST # 10TH, NEW YORK, NY 10005-2836
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyCook County
County SubdivisionHanover Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$34,000 Land $9,870 Building $24,130$340,000 Land $98,700 Building $241,300
2023$6,908.00 (+2.9%)
2022$6,713.00$24,000 Land $5,640 Building $18,360$240,000 Land $56,400 Building $183,600

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 989 Cookane Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims16 (1997–2020)
Claims Outside the SFHA5 of 16
Most Recent ClaimMay 2020 · rainfall accumulation
Claims by Event
  • Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims
  • Severe Storms And Flooding, Sep 2008 · 7 claims

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

Wildfire risk around 989 Cookane Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 270 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Astound Broadband
Cable		1,500 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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