991 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 991 Ruth Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,448 sqft · built 1967
Lot Size	0.215 acres (9,360 sqft)
Owner	2 Company Names on Record
Tax Bill	$6,651 (2025)
Deeds & Mortgages	Nov 2022 Transfer Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-10-105-005`

Property Details

APN / Parcel Number

Primary APN	`06-10-105-005`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,448 sqft Living Area
Gross Area	2,896 sqft
1st Floor Area	1,448 sqft
Basement Area	1,448 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Frame
Lot Area	9,360 sqft (0.215 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	991 RUTH DR
City	ELGIN
State	IL
Zip	60123-1933
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 5 (SOUTHERLY 2 FT LOT 43 & ALL LOT 42) BLOCK 12
Legal Subdivision	EAGLE HEIGHTS
Legal Block	12
Legal Lot Number	43,42
Legal Unit	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851910

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 Company Names on Record
Mailing Address	991 RUTH DR, ELGIN, IL 60123-1933
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Intrafamily Transfer, Transfer
Nov 25, 2020	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 28, 2022
Transfer Doc	0000053788
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Nov 4, 2022
Property Address	991 RUTH DR, ELGIN, IL 60123-1933
Document Number	0000053788
Instrument Date	Oct 28, 2022
Instrument	2022K053788
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	991 RUTH DR, ELGIN, IL 60123-1933

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	991 RUTH DR, ELGIN, IL 60123-1933
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073237
Date	Nov 25, 2020
Instrument	2020K073237

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2050

Interest

Rate	3.5%

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	$6,651.00 (+14%) Homeowner's exemption Senior Citizen's exemption	$103,184 (+8.57%) Land $28,058 Building $75,126	$309,676 (+8.57%) Land $84,208 Building $225,468
2024		$95,039 (+21.4%) Land $25,843 Building $69,196	$285,231 (+21.44%) Land $77,560 Building $207,671
2022	$5,834.00 (+5.16%) Homeowner's exemption	$78,289 (+6.96%) Land $21,288 Building $57,001	$234,867 (+6.96%) Land $63,864 Building $171,003
2021	$5,548.00 Homeowner's exemption	$73,195 Land $19,903 Building $53,292	$219,585 Land $59,709 Building $159,876

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

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

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 367 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
AT&T DSL · Fiber in parts of the area	100 / 20

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

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