1022 Center St, Elgin, IL 60120 Property Records

Kane County property record for 1022 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,341 sqft · built 1900
Lot Size	0.242 acres (10,522 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Dec 2020)
Tax Bill	$6,631 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-105-012`

Property Details

APN / Parcel Number

Primary APN	`06-12-105-012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,341 sqft Living Area
Gross Area	2,169 sqft
Basement Area	828 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	10,522 sqft (0.242 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1022 CENTER ST
City	ELGIN
State	IL
Zip	60120-2127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLADES ADDN LOT 13 BLOCK 3
Legal Subdivision	SLADES ADDN
Legal Block	3
Legal Lot Number	13
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	6
Census Block	6014
Census Tract	850800

Owner

1022 Center St is owned and occupied by two individuals who bought it in December 2020.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1022 CENTER ST, ELGIN, IL 60120-2127
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2020 · Amount on File
Deed Sale	Dec 4, 2020 · Amount on File
Deed Document Number	202075256
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 4, 2020
Property Address	1022 CENTER ST, ELGIN, IL 60120-2127
Document Number	0000075256
Instrument Date	Oct 7, 2020
Instrument	2020K075256
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CITYWIDE TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1022 CENTER ST, ELGIN, IL 60120-2127

Mortgage

Document Number	0000075257
Date	Dec 4, 2020
Instrument	2020K075257

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2050

Interest

Rate	2.87%

Tax Assessment & Valuation

The 2025 property tax bill for 1022 Center St was $6,631 with a homeowner's exemption.

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	$6,631.00 Homeowner's exemption	$94,928 (+8.57%) Land $21,191 Building $73,737	$284,898 (+8.57%) Land $63,598 Building $221,300
2024		$87,435 Land $19,518 Building $67,917	$262,410 Land $58,577 Building $203,833
2022	$5,725.00 (+4.62%) Homeowner's exemption	$72,026 (+6.96%) Land $16,078 Building $55,948	$216,078 (+6.96%) Land $48,234 Building $167,844
2021	$5,472.00 Homeowner's exemption	$67,339 Land $15,032 Building $52,307	$202,017 Land $45,096 Building $156,921

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

FEMA maps place 1022 Center St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1022 Center St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 305 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

May also be available: AT&T, T-Mobile, Verizon.

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