995 Ruth Dr, Elgin, IL 60123 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,430 sqft · built 1967
Lot Size	0.223 acres (9,694 sqft)
Owner	2 Individual Names on Record
Last Sale	$194,000 (Nov 2016)
Tax Bill	$7,388 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-10-105-004`

Property Details

APN / Parcel Number

Primary APN	`06-10-105-004`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,430 sqft Living Area
Gross Area	2,860 sqft
1st Floor Area	1,430 sqft
Basement Area	1,430 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Frame
Lot Area	9,694 sqft (0.223 acres)
Lot Dimensions	131 ft deep x 74 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Pool Area	648 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	995 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 EXCEPT SOUTHERLY 2 FT LOT 43 BLOCK 12
Legal Subdivision	EAGLE HEIGHTS
Legal Block	12
Legal Lot Number	43
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 Individual Names on Record
Mailing Address	995 RUTH DR, ELGIN, IL 60123-1933
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage CIBM BANK
Aug 1, 2023	Deed of Trust, Mortgage · Line of Credit CIBM BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2016 · Amount on Record
Deed Sale	Nov 18, 2016 · Amount on Record
Prior Sale	Sep 25, 2013 · Amount on Record
Deed Document Number	201663941
Prior Transfer Date	Nov 5, 2001
Prior Transfer Doc	0000128925
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	995 RUTH DR, ELGIN, IL 60123-1933
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042416
Date	Jun 3, 2021
Instrument	2021K042416

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	306 Months
Due	Dec 1, 2046

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	995 RUTH DR, ELGIN, IL 60123-1933
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	CISLO TITLE, PRECISION TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069851
Date	Sep 14, 2021
Instrument	2021K069851

Lender

Name	CIBM BANK
Type	Bank
Address	NAPERVILLE, IL 60563

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	995 RUTH DR, ELGIN, IL 60123-1933
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 RUTH DR, ELGIN, IL 60123-1933

Mortgage

Document Number	0000025940
Date	Aug 1, 2023
Instrument	2023K025940

Lender

Name	CIBM BANK
Type	Bank
Address	WHEATON, IL 60187

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Min Rate At Change	4%
Max Rate	18%

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	$7,388.00 (+15.85%) Homeowner's exemption	$104,842 (+8.57%) Land $28,058 Building $76,784	$314,652 (+8.57%) Land $84,208 Building $230,444
2024		$96,566 (+21.39%) Land $25,843 Building $70,723	$289,814 (+21.44%) Land $77,560 Building $212,254
2022	$6,377.00 (+4.56%) Homeowner's exemption	$79,547 (+6.96%) Land $21,288 Building $58,259	$238,641 (+6.96%) Land $63,864 Building $174,777
2021	$6,099.00 Homeowner's exemption	$74,371 Land $19,903 Building $54,468	$223,113 Land $59,709 Building $163,404

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

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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