1026 Center St, Elgin, IL 60120 Property Records

Kane County property record for 1026 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,363 sqft · built 1927
Lot Size	0.242 acres (10,522 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Dec 2017)
Tax Bill	$9,412 (2025)
Deeds & Mortgages	Sep 2026 Construction Loan Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-105-011`

Property Details

APN / Parcel Number

Primary APN	`06-12-105-011`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	5 Stories
Building Area	2,363 sqft Living Area
Gross Area	3,938 sqft
Basement Area	1,575 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Brick
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	1026 CENTER ST
City	ELGIN
State	IL
Zip	60120-2127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLADES ADDN LOT 12 BLOCK 3
Legal Subdivision	SLADES ADDN
Legal Block	3
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	6
Census Block	6014
Census Tract	850800

Owner

1026 Center St is owned and occupied by two individuals who bought it in December 2017.

Source: Kane County records, as of September 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1026 CENTER ST, ELGIN, IL 60120-2127
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Sep 10, 2026	Deed of Trust, Mortgage · Construction Mortgage US SMALL BUSN ADMN
Aug 6, 2020	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 11, 2017	Warranty Deed, Transfer · FHA Mortgage PERL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2017 · Amount on File
Deed Sale	Dec 11, 2017 · Amount on File
Deed Document Number	201764205
Prior Transfer Date	May 12, 2005
Prior Transfer Doc	0000055982
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Sep 10, 2026
Property Address	1026 CENTER ST, ELGIN, IL 60120-2127
Document Number	0000039244
Instrument Date	Aug 4, 2026
Instrument	202639244
Transaction Type	Mortgage
Record Updated	Sep 17, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 CENTER ST, ELGIN, IL 60120-2127

Mortgage

Document Number	0000039244,
Date	Sep 10, 2026
Instrument	202639244

Lender

Name	US SMALL BUSN ADMN

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 4, 2056

Interest

Rate	2.81%
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1026 CENTER ST, ELGIN, IL 60120-2127
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043731
Date	Aug 6, 2020
Instrument	2020K043731

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 11, 2017
Property Address	1026 CENTER ST, ELGIN, IL 60120-2127
Document Number	0000064205
Instrument Date	Nov 30, 2017
Instrument	2017K064205
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 CENTER ST, ELGIN, IL 60120-2127

Mortgage

Document Number	0000064206
Date	Dec 11, 2017
Instrument	2017K064206

Lender

Name	PERL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Interest

Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1026 Center St was $9,412 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	$9,412.00 Homeowner's exemption	$131,380 (+8.57%) Land $21,191 Building $110,189	$394,298 (+8.57%) Land $63,598 Building $330,699
2024		$121,009 Land $19,518 Building $101,491	$363,172 Land $58,577 Building $304,595
2022	$8,123.00 (+4.42%) Homeowner's exemption	$99,682 (+6.96%) Land $16,078 Building $83,604	$299,046 (+6.96%) Land $48,234 Building $250,812
2021	$7,779.00 Homeowner's exemption	$93,196 Land $15,032 Building $78,164	$279,588 Land $45,096 Building $234,492

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

FEMA maps place 1026 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 1026 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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