Kane County property record for 997 Stephen Ave, Elgin, IL 60123 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,937 sqft · built 1967 |
| Lot Size | 0.271 acres (11,819 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $206,000 (Oct 2017) |
| Tax Bill | $7,450 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jul 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-10-104-007 |
| Primary APN | 06-10-104-007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,937 sqft Living Area |
| Gross Area | 3,874 sqft |
| 1st Floor Area | 1,937 sqft |
| Basement Area | 1,937 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Construction Type | Frame |
| Lot Area | 11,819 sqft (0.271 acres) |
| Lot Width | 87 ft Width |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 997 STEPHEN AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-1937 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ANDRESEN BROS EAGLE HEIGHTS UNIT 5 (SOUTHERLY 6 FT LOT 18 & ALL OF LOT 17) BLOCK 14 |
| Legal Subdivision | EAGLE HEIGHTS |
| Legal Block | 14 |
| Legal Lot Number | 18,17 |
| Legal Unit | 5 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 851910 |
Source: Kane County records · APN 06-10-104-007
Assessment roll updated August 25, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 997 STEPHEN AVE, ELGIN, IL 60123-1937 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 05, 2021 | Deed of Trust, Mortgage · VA Mortgage CHAOS HOME LOANS LLC |
| Jul 23, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 07, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Mar 24, 2023 | Intrafamily Transfer, Transfer |
| Sep 22, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 03, 2017 | Grant Deed, Foreclosure · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 03, 2017 · Amount on Record |
| Deed Sale | Oct 03, 2017 · Amount on Record |
| Deed Document Number | 201751945 |
| Last Transfer Date | Mar 08, 2023 |
| Transfer Doc | 0000009025 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 997 STEPHEN AVE, ELGIN, IL 60123-1937 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000025724 |
|---|---|
| Date | Apr 05, 2021 |
| Instrument | 2021K025724 |
| Name | CHAOS HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | LAS VEGAS, NV 89101 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 997 STEPHEN AVE, ELGIN, IL 60123-1937 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 997 STEPHEN AVE, ELGIN, IL 60123-1937 |
| Document Number | 0000027310 |
|---|---|
| Date | Jul 23, 2025 |
| Instrument | 2025K027310 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2055 |
| Rate | 6.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 07, 2026 |
| Property Address | 997 STEPHEN AVE, ELGIN, IL 60123-1937 |
| Document Number | 0000013848 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 202613848 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 997 STEPHEN AVE, ELGIN, IL 60123-1937 |
| Investor | Possibly a Property Investor |
| Document Number | 0000013848, |
|---|---|
| Date | Apr 07, 2026 |
| Instrument | 202613848 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 24, 2023 |
| Property Address | 997 STEPHEN AVE, ELGIN, IL 60123-1937 |
| Document Number | 0000009025 |
| Instrument Date | Mar 08, 2023 |
| Instrument | 2023K009025 |
| Transaction Type | Transfer |
| Record Updated | Apr 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 997 STEPHEN AVE, ELGIN, IL 60123-1937 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 997 STEPHEN AVE, ELGIN, IL 60123-1937 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000055112 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 2020K055112 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jul 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.56% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 03, 2017 |
| Property Address | 997 STEPHEN AVE, ELGIN, IL 60123-1937 |
| Document Number | 0000051945 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 51945 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 01, 2017 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $309.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1091 CANDLEWOOD RD ELGIN IL 601231508, ELGIN, IL 60123-1508 |
| Document Number | 51946 |
|---|---|
| Date | Oct 03, 2017 |
| Instrument | 51946 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 02, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,450.00 (+4.97%) | ||
| 2024 | $7,097.00 (+8.78%) | $105,832 (+21.39%) Land $27,326 Building $78,506 | $317,623 (+21.44%) Land $82,011 Building $235,612 |
| 2022 | $6,524.00 (-2.01%) Homeowner's exemption | $87,180 (+8.13%) Land $22,510 Building $64,670 | $261,540 (+8.13%) Land $67,530 Building $194,010 |
| 2021 | $6,658.00 Homeowner's exemption | $80,627 Land $21,045 Building $59,582 | $241,881 Land $63,135 Building $178,746 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898519103, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Apr 1979, rainfall accumulation |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 367 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Radiate Holdings | Cable | 1,500 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: Opiquad, T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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