Kane County property record for 994 Ruth Dr, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,482 sqft · built 1967 |
| Lot Size | 0.36 acres (15,696 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (May 2011) |
| Tax Bill | $7,809 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-10-104-010 |
| Primary APN | 06-10-104-010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,482 sqft Living Area |
| Gross Area | 2,964 sqft |
| 1st Floor Area | 1,482 sqft |
| Basement Area | 1,482 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Construction Type | Frame |
| Lot Area | 15,696 sqft (0.36 acres) |
| Lot Width | 132 ft Width |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 994 RUTH DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-1953 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ANDRESEN BROS EAGLE HEIGHTS UNIT 5 LOT 6 BLOCK 14 |
| Legal Subdivision | EAGLE HEIGHTS |
| Legal Block | 14 |
| Legal Lot Number | 6 |
| Legal Unit | 5-6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 851910 |
Source: Kane County records, as of September 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 994 RUTH DR, ELGIN, IL 60123-1953 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 3, 2011 · Amount on Record |
| Deed Sale | May 3, 2011 · Amount on Record |
| Prior Sale | Jun 11, 2010 |
| Deed Document Number | 201126926 |
| Prior Transfer Date | May 24, 2010 |
| Prior Transfer Doc | 0000037376 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 9, 2026 |
| Property Address | 994 RUTH DR, ELGIN, IL 60123-1953 |
| Document Number | 0000038938 |
| Instrument Date | Aug 29, 2026 |
| Instrument | 202638938 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 994 RUTH DR, ELGIN, IL 60123-1953 |
| Document Number | 0000038938, |
|---|---|
| Date | Sep 9, 2026 |
| Instrument | 202638938 |
| Name | PNC BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 3, 2066 |
| Max Rate | -1% |
|---|
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,809.00 (+15.84%) Homeowner's exemption | $111,641 (+8.57%) Land $30,475 Building $81,166 | $335,057 (+8.57%) Land $91,462 Building $243,595 |
| 2024 | $102,828 (+21.39%) Land $28,069 Building $74,759 | $308,607 (+21.44%) Land $84,241 Building $224,367 | |
| 2022 | $6,741.00 (+3.39%) Homeowner's exemption | $84,706 (+7.1%) Land $23,122 Building $61,584 | $254,118 (+7.1%) Land $69,366 Building $184,752 |
| 2021 | $6,520.00 Homeowner's exemption | $79,088 Land $21,617 Building $57,471 | $237,264 Land $64,851 Building $172,413 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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