1006 Duncan Ave, Elgin, IL 60120 Property Records

Kane County property record for 1006 Duncan Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,193 sqft · built 1960
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Jun 2015)
Tax Bill	$5,697 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-209-024`

Property Details

APN / Parcel Number

Primary APN	`06-12-209-024`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,193 sqft Living Area
Gross Area	2,386 sqft
1st Floor Area	1,193 sqft
Basement Area	1,193 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Lot Area	6,600 sqft (0.152 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1006 DUNCAN AVE
City	ELGIN
State	IL
Zip	60120-2414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R N BOTSFORDS ADD - LOT 12 BLK 4
Legal Subdivision	R N BOTSFORDS ADD
Legal Block	4
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	6
Census Block	6008
Census Tract	850800

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	1006 DUNCAN AVE, ELGIN, IL 60120-2414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED TRUST BANK
Apr 20, 2017	Deed of Trust, Mortgage · VA Mortgage NEW PENN FINANCIAL LLC
Jan 5, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 4, 2020	Loan Modification, Mortgage · FHA Mortgage SHELLPOINT MTG SVCNG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2015 · Amount on Record
Deed Sale	Jun 1, 2015 · Amount on Record
Prior Sale	Mar 31, 2014 · Amount on Record
Deed Document Number	201527807
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1006 DUNCAN AVE, ELGIN, IL 60120-2414
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000095101
Date	Dec 23, 2021
Instrument	2021K095101

Lender

Name	UNITED TRUST BANK
Type	Bank
Address	PALOS HEIGHTS, IL 60463

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	2.75%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1006 DUNCAN AVE, ELGIN, IL 60120-2414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019817
Date	Apr 20, 2017
Instrument	2017K019817

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Interest

Rate	3.75%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1006 DUNCAN AVE, ELGIN, IL 60120-2414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000771
Date	Jan 5, 2021
Instrument	2021K000771

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	1006 DUNCAN AVE, ELGIN, IL 60120-2414
Document Number	0000052933
Instrument Date	Aug 4, 2020
Transaction Type	Mortgage
Record Updated	Oct 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1006 DUNCAN AVE ELGIN IL 601202414, ELGIN, IL 60120-2414

Mortgage

Document Number	0000052933
Date	Sep 15, 2020
Instrument	52933

Lender

Name	SHELLPOINT MTG SVCNG
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Sep 14, 2047

Interest

Rate	3.75%

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	$5,697.00 (+13.67%) Homeowner's exemption Senior Citizen's exemption	$90,682 (+8.57%) Land $17,146 Building $73,536	$272,155 (+8.57%) Land $51,459 Building $220,696
2024		$83,524 (+21.39%) Land $15,793 Building $67,731	$250,672 (+21.44%) Land $47,398 Building $203,274
2022	$5,012.00 (+49.48%) Homeowner's exemption	$68,805 (+6.96%) Land $13,010 Building $55,795	$206,415 (+6.96%) Land $39,030 Building $167,385
2021	$3,353.00 Homeowner's exemption	$64,327 Land $12,163 Building $52,164	$192,981 Land $36,489 Building $156,492

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	1 in force

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 514 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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