995 Annandale Dr, Elgin, IL 60123 Property Records

Kane County property record for 995 Annandale Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,288 sqft · built 1992
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (May 2021)
Tax Bill	$8,418 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jan 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-251-015`

Property Details

APN / Parcel Number

Primary APN	`06-28-251-015`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,288 sqft Living Area
Gross Area	3,432 sqft
Basement Area	1,144 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Frame
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	995 ANNANDALE DR
City	ELGIN
State	IL
Zip	60123-6506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GLENS OF COLLEGE GREEN UNIT 3 LOT 887
Legal Subdivision	COLLEGE GREEN
Legal Block	3
Legal Lot Number	887
Legal Unit	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3010
Census Tract	851908

Owner

995 Annandale Dr is owned and occupied by two individuals who acquired it in December 2022.

Source: Kane County records, as of August 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	995 ANNANDALE DR, ELGIN, IL 60123-6506
Occupancy	Owner Occupied
Owner Type	Individual

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 27, 2026	Deed of Trust, Mortgage · Line of Credit OLD SECOND NATIONAL BANK
Jan 23, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
May 3, 2021	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 5, 2018	Special Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 10, 2017	Grant Deed, Foreclosure
Jul 10, 2017	Deed in Lieu of Foreclosure, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2021 · Amount on File
Deed Sale	May 3, 2021 · Amount on File
Prior Sale	Jan 5, 2018 · Amount on File
Deed Document Number	202134581
Last Transfer Date	Dec 3, 2022
Transfer Doc	0000002263
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jul 27, 2026
Property Address	995 ANNANDALE DR, ELGIN, IL 60123-6506
Document Number	0000031915
Instrument Date	Jul 17, 2026
Instrument	202631915
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 ANNANDALE DR, ELGIN, IL 60123-6506

Mortgage

Document Number	0000031915,
Date	Jul 27, 2026
Instrument	202631915

Lender

Name	OLD SECOND NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2056

Interest

Rate Type	Adjustable Rate
Rate	8%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jan 23, 2023
Property Address	995 ANNANDALE DR, ELGIN, IL 60123-6506
Document Number	0000002263
Map Reference	DOC 91K-30251
Instrument Date	Dec 3, 2022
Instrument	2023K002263
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

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	Tenants by the Entirety
Address	995 ANNANDALE DR, ELGIN, IL 60123-6506

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 3, 2021
Property Address	995 ANNANDALE DR, ELGIN, IL 60123-6506
Document Number	0000034581
Map Reference	DOC 91K30251
Instrument Date	Feb 6, 2021
Instrument	2021K034581
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 ANNANDALE DR, ELGIN, IL 60123-6506

Mortgage

Document Number	0000034582
Date	May 3, 2021
Instrument	2021K034582

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

January 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 5, 2018
Property Address	995 ANNANDALE DR, ELGIN, IL 60123-6506
Document Number	0000000726
Map Reference	DOC91K-30251
Instrument Date	Nov 3, 2017
Instrument	2018K000726
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TITLE GUARANTY FUN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$333.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5000 PLANO PKWY, 5000, CARROLLTON, TX 75010-4900

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	525 E BLAIR ST, WEST CHICAGO, IL 60185-3415

Mortgage

Document Number	0000000728
Date	Jan 5, 2018
Instrument	2018K000728

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

July 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Jul 10, 2017
Property Address	995 ANNANDALE DR, ELGIN, IL 60123-6506
Document Number	0000035143
Instrument Date	Jun 8, 2017
Instrument	35143
Transaction Type	Foreclosure
Record Updated	Jul 28, 2017

Transaction

Tax	$0.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5000 PLANO PKWY CARROLLTON TX 750104900, CARROLLTON, TX 75010-4900
Investor	Possibly a Property Investor

July 2017: Deed in Lieu of Foreclosure, Transfer

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	KANE IL
Recording Date	Jul 10, 2017
Property Address	995 ANNANDALE DR, ELGIN, IL 60123-6506
Document Number	0000035141
Instrument Date	Mar 29, 2017
Instrument	35141
Transaction Type	Transfer
Record Updated	Jul 28, 2017

Transaction

Tax	$0.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3476 STATEVIEW BLVD FORT MILL SC 297157203, FORT MILL, SC 29715-7203
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 995 Annandale Dr was $8,418 with exemptions applied.

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	$8,418.00	$126,354 (+8.57%) Land $28,368 Building $97,986	$379,214 (+8.57%) Land $85,138 Building $294,076
2024		$116,380 Land $26,129 Building $90,251	$349,280 Land $78,418 Building $270,861
2022	$7,792.00 (+4.44%) Homeowner's exemption	$95,871 (+6.96%) Land $21,525 Building $74,346	$287,613 (+6.96%) Land $64,575 Building $223,038
2021	$7,461.00 Homeowner's exemption	$89,632 Land $20,124 Building $69,508	$268,896 Land $60,372 Building $208,524

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 995 Annandale Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 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

The area around 995 Annandale Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 477 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	100 / 20

May also be available: Metronet.

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