991 Hillcrest Rd, Elgin, IL 60123 Property Records

Kane County property record for 991 Hillcrest Rd, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,096 sqft · built 1955
Lot Size	1.79 acres (78,134 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Feb 2024)
Tax Bill	$9,378 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-03-479-002`

Property Details

APN / Parcel Number

Primary APN	`06-03-479-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	2,096 sqft Living Area
Gross Area	3,493 sqft
Basement Area	1,397 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	78,134 sqft
Lot Width	304 ft Width
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	991 HILLCREST RD
City	ELGIN
State	IL
Zip	60123-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS LOT 21
Legal Subdivision	CENTURY OAKS
Legal Block	1
Legal Lot Number	21
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1002
Census Tract	851000

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	2 Individual Names on Record
Mailing Address	704 FLORENCE AVE, 1, EVANSTON, IL 60202-2093
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Feb 6, 2024	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Jan 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2024 · Amount on Record
Deed Sale	Feb 6, 2024 · Amount on Record
Prior Sale	Jan 23, 2020 · Amount on Record
Deed Document Number	20244026
Prior Transfer Date	Nov 18, 2011
Prior Transfer Doc	0000035873
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	991 HILLCREST RD, ELGIN, IL 60123-1425
Transaction Type	Mortgage
Record Updated	Mar 19, 2026
Title Company	GREATER ILLINOIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	991 HILLCREST RD, ELGIN, IL 60123-1425

Mortgage

Document Number	0000009999
Date	Mar 12, 2026
Instrument	2026K009999

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 6, 2024
Property Address	991 HILLCREST RD, ELGIN, IL 60123-1425
Document Number	0000004026
Instrument Date	Jan 29, 2024
Instrument	2024K004026
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	991 HILLCREST RD, ELGIN, IL 60123-1425

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	991 HILLCREST RD, ELGIN, IL 60123-1425

Mortgage

Document Number	0000004027
Date	Feb 6, 2024
Instrument	2024K004027

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.62%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	991 HILLCREST RD, ELGIN, IL 60123-1425
Instrument Date	Jan 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 6, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1100 WARINGTON LN HOFFMAN ESTATES IL 601692373, HOFFMAN ESTATES, IL 60169-2373

Mortgage

Document Number	4359
Date	Jan 23, 2020
Instrument	4359

Lender

Name	HOMETRUST MTG
Type	Mortgage Company
Address	SCHAUMBURG, IL 60173

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2050

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	$9,378.00 (+15.88%)	$130,931 (+8.57%) Land $36,390 Building $94,541	$392,950 (+8.57%) Land $109,214 Building $283,736
2024		$120,596 (+21.39%) Land $33,518 Building $87,078	$361,933 (+21.44%) Land $100,594 Building $261,339
2022	$8,093.00 (+4.41%) Homeowner's exemption	$99,343 (+6.96%) Land $27,611 Building $71,732	$298,029 (+6.96%) Land $82,833 Building $215,196
2021	$7,751.00 Homeowner's exemption	$92,878 Land $25,814 Building $67,064	$278,634 Land $77,442 Building $201,192

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

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