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CondominiumResidential
$155,970
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $88,000 on Oct 2, 2003

765 TERRACE CT APT 304

ELGIN, IL 60120
Building report
2
Beds
0
Baths
1.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.

Valuation

$156K
$143K low$169K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$88,000 · Oct 2, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,667 (2023)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$9,107 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$966
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$8,141
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$9,107
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$91,070

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.50
93
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
60
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
68
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
28
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.101 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyCook
Lot (acres)The size of the land the home sits on, from county records.1.22
HeatingThe type of heating system in the home.None

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Ellis Middle SchoolD
Middle · Grades 7–8 · 0.4 mi
E
Lords Park Elementary SchoolD
Elementary · Grades KG–6 · 0.7 mi
H
Elgin High SchoolD
High · Grades 9–12 · 1.1 mi

District: School District U-46

Neighborhood · ZIP 60120These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.87
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.109
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.47

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.9%
PopulationHow many people live in this area.51,977
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4,108 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,556
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,612
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

765 Terrace Ct Apt 304 measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the least valuable homes in Elgin 60120
  • Has a bigger lot than 90% of homes in Cook County
  • Newer than 73% of homes in Cook County

What homes are worth in Elgin 60120

Each bar is how many homes fall in that price range. The marker is this home.

This home
$172K$585K

This home is worth less than almost all homes in Elgin 60120.

How it measures up in Elgin 60120

The dot is this home. The mark in the middle is the typical home in Elgin 60120.

Estimated value$155,970
CheaperTypical $284,925Pricier

Cheaper than almost all homes nearby

Lot size1.22 ac
SmallerTypical 0.2 acBigger

Bigger than 88% of homes nearby

Year built1977
OlderTypical 1967Newer

Newer than 61% of homes nearby

How 765 Terrace Ct Apt 304 ranks against every home in each area.
MeasureThis homeElgin 60120Cook County
Estimated valuepricier than$155,970almost no homes9% of homes
Lot sizebigger than1.22 ac88% of homes90% of homes
Year builtnewer than197761% of homes73% of homes

About 765 Terrace Ct Apt 304

How much is 765 Terrace Ct Apt 304, Elgin, IL worth?

The TopHap Estimate for 765 Terrace Ct Apt 304, Elgin, IL is $155,970 as of Sep 24, 2026. The likely range is $143,315 to $168,625. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 765 Terrace Ct Apt 304, Elgin, IL last sell?

765 Terrace Ct Apt 304, Elgin, IL last sold on Oct 2, 2003 for $88,000, according to the county's recorded deed.

How big is 765 Terrace Ct Apt 304, Elgin, IL?

765 Terrace Ct Apt 304, Elgin, IL has 2 bedrooms and a 1.22-acre lot.

When was 765 Terrace Ct Apt 304, Elgin, IL built?

765 Terrace Ct Apt 304, Elgin, IL was built in 1977, making it 49 years old. It is a condo/apartment home.

What schools serve 765 Terrace Ct Apt 304, Elgin, IL?

765 Terrace Ct Apt 304, Elgin, IL is assigned to Ellis Middle School (middle), rated D; Lords Park Elementary School (elementary), rated D; Elgin High School (high), rated D. All sit in School District U-46. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 765 Terrace Ct Apt 304, Elgin, IL compare to other homes in Elgin 60120?

Among the 13,139 homes in Elgin 60120, it is worth more than almost none of them ($155,970 against a typical $284,925), its lot is bigger than 88% of them (1.22 ac against a typical 0.2 ac) and it is newer than 61% of them (1977 against a typical 1967). Measured against all of Cook County, it is worth more than 9% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 765 Terrace Ct Apt 304, Elgin, IL?

The 2023 property tax bill for 765 Terrace Ct Apt 304, Elgin, IL was $1,667. The county assessed it at $9,107.

More homes on Terrace Ct Apt 304

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Assigned schools

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