990 Cobblers Xing, Elgin, IL 60120 Property Records

Cook County property record for 990 Cobblers Xing, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,773 sqft · built 1988
Lot Size	0.205 acres (8,927 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Feb 2025)
Tax Bill	$9,211 (2023)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jan 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-07-208-012`

Property Details

APN / Parcel Number

Primary APN	`06-07-208-012`
Alternative APN	`06-07-208-012-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,773 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1989
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,927 sqft (0.205 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	990 COBBLERS XING
City	ELGIN
State	IL
Zip	60120-4916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	9E
Legal Township	41N
Legal Section	07
Legal Subdivision	COBBLERS XING UN 1
Legal Lot Number	24
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	4
Census Block	4014
Census Tract	804403

Owner

990 Cobblers Xing is owned by two individuals who bought it in February 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	658 N PORTER ST, ELGIN, IL 60120-3962
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
Jul 15, 2021	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Jan 16, 2019	Loan Modification, Mortgage · Conventional with PMI FREEDOM MTG
Nov 11, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Mar 31, 2017	Warranty Deed, Transfer · VA Mortgage DRAPER & KRAMER MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2025 · Amount on File
Deed Sale	Feb 20, 2025 · Amount on File
Prior Sale	Jul 15, 2021 · Amount on File
Deed Document Number	202524133
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jul 15, 2021
Property Address	990 COBBLERS XING, ELGIN, IL 60120-4916
Document Number	0019607045
Map Reference	DOC 88586739
Instrument Date	Jun 18, 2021
Instrument	2119607045
Transaction Type	Transfer
Record Updated	Apr 9, 2024
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1922 MORNING SONG CT #101101, 101101, VILLAGE OF SCHAUMBURG, IL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	990 COBBLERS XING, ELGIN, IL 60120-4916

Mortgage

Document Number	0019607047
Date	Jul 15, 2021
Instrument	2119607047

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COOK IL
Property Address	990 COBBLERS XING, ELGIN, IL 60120-4916
Document Number	1905806028
Instrument Date	Jan 16, 2019
Transaction Type	Mortgage
Record Updated	Mar 7, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	990 COBBLERS XING ELGIN IL 601204916, ELGIN, IL 60120-4916

Mortgage

Document Number	1905806028
Date	Feb 27, 2019
Instrument	5806028

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	FISHERS, IN 46037

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	336 Months
Due	Feb 26, 2047

Interest

Rate Type	Fixed Rate
Rate	5%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	990 COBBLERS XING, ELGIN, IL 60120-4916
Document Number	1732547097
Instrument Date	Nov 11, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	990 COBBLERS XING ELGIN IL 601204916, ELGIN, IL 60120-4916

Mortgage

Document Number	1732547097
Date	Nov 21, 2017
Instrument	32547097

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Mar 31, 2017
Property Address	990 COBBLERS XING, ELGIN, IL 60120-4916
Document Number	1709004021
Instrument Date	Mar 24, 2017
Instrument	9004021
Transaction Type	Transfer
Record Updated	Apr 11, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1472 ROEBLING TRL PENSACOLA FL 325062923, PENSACOLA, FL 32506-2923

Mortgage

Document Number	1709004022
Date	Mar 31, 2017
Instrument	9004022

Lender

Name	DRAPER & KRAMER MTG
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

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		$46,000 Land $7,142 Building $38,858	$460,000 Land $71,420 Building $388,580
2023	$9,211.00 (+2.9%)
2022	$8,951.00 Homeowner's exemption	$31,999 Land $6,248 Building $25,751	$319,990 Land $62,480 Building $257,510

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 990 Cobblers Xing 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

Wildfire risk around 990 Cobblers Xing is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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 495 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 DSL	100 / 20

May also be available: T-Mobile.

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