Kane County property record for 992 Stephen Ave, Elgin, IL 60123 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1968 |
| Square Footage | 1,686 sqft Living Area |
| Lot Size | 10,400 sqft (0.239 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $178,500 (2010) |
| Tax Bill | $7,796.00 (2025) |
| Primary APN | 06-09-229-021 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,686 sqft Living Area |
| Gross Area | 3,372 sqft Gross Area |
| 1st Floor | 1,686 sqft 1st Floor |
| Basement Area | 1,686 sqft Basement |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Construction Type | Frame Construction |
| Lot Area | 10,400 sqft (0.239 acres) |
| Depth X Width | 130 ft x 80 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 992 STEPHEN AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-1938 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ANDRESEN BROS EAGLE HEIGHTS UNIT 5 LOT 24 BLOCK 15 |
| Legal Subdivision | EAGLE HEIGHTS |
| Legal Block | 15 |
| Legal Lot Number | 24 |
| Legal Unit | 5-24 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 3 |
| Census Block | 3004 |
| Census Tract | 851910 |
Source: Kane County records · APN 06-09-229-021
Assessment roll updated August 25, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 992 STEPHEN AVE, ELGIN, IL 60123-1938 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 18, 2010 · Amount on Record |
| Deed Sale | Jun 18, 2010 · Amount on Record |
| Prior Sale | Mar 16, 2010 |
| Deed Doc Number | 201039149 |
| Transfer Doc | 0000013910 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 992 STEPHEN AVE, ELGIN, IL 60123-1938 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | PRECISION TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000071147 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 2020K071147 |
| Name | FIRST STATE MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | BLOOMINGTON, IL 61704 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 01, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.37% |
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,796.00 (+15.86%) Homeowner's exemption | ||
| 2024 | $101,493 (+21.39%) Land $25,843 Building $75,650 | $304,601 (+21.44%) Land $77,560 Building $227,041 | |
| 2022 | $6,729.00 (+4.52%) Homeowner's exemption | $83,606 (+6.96%) Land $21,288 Building $62,318 | $250,818 (+6.96%) Land $63,864 Building $186,954 |
| 2021 | $6,438.00 Homeowner's exemption | $78,166 Land $19,903 Building $58,263 | $234,498 Land $59,709 Building $174,789 |
992 Stephen Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Kane County (17089C), updated October 8, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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