997 Ruth Dr, Elgin, IL 60123 Property Records

Kane County property record for 997 Ruth Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,386 sqft · built 1969
Lot Size	0.303 acres (13,195 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (May 2021)
Tax Bill	$7,206 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Mar 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-10-105-003`

Property Details

APN / Parcel Number

Primary APN	`06-10-105-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,386 sqft Living Area
Gross Area	2,772 sqft
1st Floor Area	1,386 sqft
Basement Area	1,386 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Frame
Lot Area	13,195 sqft (0.303 acres)
Lot Dimensions	145 ft deep x 91 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	997 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 LOT 44 BLOCK 12
Legal Subdivision	EAGLE HEIGHTS
Legal Block	12
Legal Lot Number	44
Legal Unit	5-44
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	997 RUTH DR, ELGIN, IL 60123-1933
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Warranty Deed, Transfer · Second Mortgage (Down Payment) UNITED WHOLESALE MORTGAGE
Mar 8, 2019	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO
Mar 7, 2018	Intrafamily Transfer, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2021 · Amount on Record
Deed Sale	May 3, 2021 · Amount on Record
Prior Sale	Mar 7, 2018
Deed Document Number	202134333
Prior Transfer Date	Oct 11, 2018
Prior Transfer Doc	0000009262
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 3, 2021
Property Address	997 RUTH DR, ELGIN, IL 60123-1933
Document Number	0000034333
Instrument Date	Mar 10, 2021
Instrument	2021K034333
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 RUTH DR, ELGIN, IL 60123-1933

Mortgage

Document Number	0000034334
Date	May 3, 2021
Instrument	2021K034334

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	179 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.75%
Change Frequency	2 Years

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Mar 8, 2019
Property Address	997 RUTH DR, ELGIN, IL 60123-1933
Document Number	0000009262
Instrument Date	Oct 11, 2018
Instrument	9262
Transaction Type	Transfer
Record Updated	Mar 20, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	6635 S STAPLES ST #1326 CORPUS CHRISTI TX 784135414, 1326, CORPUS CHRISTI, TX 78413-5414

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 7, 2018
Property Address	997 RUTH DR, ELGIN, IL 60123-1933
Document Number	0000010474
Instrument Date	Mar 2, 2018
Instrument	2018K010474
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CARRINGTON TITLE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PARK RIDGE, IL 60068

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6218 BECKFORD CIR, CORPUS CHRISTI, TX 78414-3019

Mortgage

Document Number	0000010476
Date	Mar 7, 2018
Instrument	2018K010476

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

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	$7,206.00 (+15.85%) Homeowner's exemption	$102,455 (+8.57%) Land $28,858 Building $73,597	$307,488 (+8.57%) Land $86,609 Building $220,879
2024		$94,368 (+21.39%) Land $26,580 Building $67,788	$283,217 (+21.44%) Land $79,772 Building $203,445
2022	$6,220.00 (-4.07%) Homeowner's exemption	$77,737 (+6.96%) Land $21,896 Building $55,841	$233,211 (+6.96%) Land $65,688 Building $167,523
2021	$6,484.00	$72,678 Land $20,471 Building $52,207	$218,034 Land $61,413 Building $156,621

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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