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995 Reserve Dr, Elgin, IL 60124 Property Records

Kane County property record for 995 Reserve Dr, Elgin, IL 60124 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2.5 ba · 1,626 sqft · built 2008
Lot Size0.28 acres (1,218 sqft)
Owner2 Individual Names on File
Last Sale$260,000 (Apr 2022)
Tax Bill$6,107 (2025)
Deeds & MortgagesApr 2022 Sale & Mortgage
Aug 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN06-29-428-082

Property Details

APN / Parcel Number

Primary APN06-29-428-082

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,626 sqft Living Area
Gross Area2,439 sqft
Basement Area813 sqft

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2008
Construction TypeFrame
Lot Area1,218 sqft (0.28 acres)
Lot Dimensions58 ft deep x 21 ft wide

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address995 RESERVE DR
CityELGIN
StateIL
Zip60124-8834
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRESERVE PHASE II PT OF LOT 54 DESC IN 2009K004201
Legal SubdivisionRESERVE
Legal Phase2
Legal Block2
Legal Lot Number54
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group2
Census Block2001
Census Tract851912

Owner

Source: Kane County records · APN 06-29-428-082

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address995 RESERVE DR, ELGIN, IL 60124-8834
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 22, 2022Deed, Transfer · Conventional Mortgage
GUARANTEED RATE INC
Aug 13, 2019Deed of Trust, Mortgage · Conventional Mortgage
FIRST FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 22, 2022 · Amount on Record
Deed SaleApr 22, 2022 · Amount on Record
Prior SaleJan 22, 2009 · Amount on Record
Deed Document Number202221984
Prior Transfer DateOct 20, 2015
Prior Transfer Doc0000058021
Record UpdatedSep 20, 2026

April 2022: Deed, Transfer

Document TypeDeed
JurisdictionKANE IL
Recording DateApr 22, 2022
Property Address995 RESERVE DR, ELGIN, IL 60124-8834
Document Number0000021984
Map ReferenceDOC 2004K044951
Instrument DateApr 15, 2022
Instrument2022K021984
Transaction TypeTransfer
Record UpdatedApr 28, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$260.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address9566 SOMONAUK RD, HINCKLEY, IL 60520-6142

Mortgage

Document Number0000021985
DateApr 22, 2022
Instrument2022K021985
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2052
Interest
Rate TypeFixed Rate
Rate4.87%

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address995 RESERVE DR, ELGIN, IL 60124-8834
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000036299
DateAug 13, 2019
Instrument2019K036299
Lender
NameFIRST FEDERAL SAVINGS BANK
TypeBank
AddressOTTAWA, IL 61350
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2049

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,107.00 (+26.2%) Homeowner's exemption$88,057 (+8.57%) Land $20,940 Building $67,117$264,277 (+8.57%) Land $62,845 Building $201,432
2024$81,106 (+21.39%) Land $19,287 Building $61,819$243,415 (+21.44%) Land $57,884 Building $185,531
2022$4,839.00 (+5.4%) Homeowner's exemption$66,813 (+6.96%) Land $15,888 Building $50,925$200,439 (+6.96%) Land $47,664 Building $152,775
2021$4,591.00 Homeowner's exemption$62,465 Land $14,854 Building $47,611$187,395 Land $44,562 Building $142,833

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898519122, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Claims1 (2020)
Claims Outside the SFHA1 of 1
Most Recent ClaimMay 2020, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 327 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
Radiate HoldingsCable1,500 / 50
AT&TFiber1,000 / 1,000
OpiquadFixed Wireless (unlicensed)100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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