1030 Duncan Ave, Elgin, IL 60120 Property Records

Kane County property record for 1030 Duncan Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,385 sqft · built 1925
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on Record
Last Sale	$216,500 (Oct 2020)
Tax Bill	$6,348 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-209-019`

Property Details

APN / Parcel Number

Primary APN	`06-12-209-019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,385 sqft Living Area
Gross Area	2,425 sqft
1st Floor Area	1,385 sqft
Basement Area	1,040 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
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	1030 DUNCAN AVE
City	ELGIN
State	IL
Zip	60120-2414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R N BOTSFORDS ADDN LOT 7 BLOCK 4
Legal Subdivision	R N BOTSFORDS ADDN
Legal Block	4
Legal Lot Number	7
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	Individual Name on Record
Mailing Address	1030 DUNCAN AVE, ELGIN, IL 60120-2414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST AMERICAN BANK
Oct 6, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2020 · Amount on Record
Deed Sale	Oct 6, 2020 · Amount on Record
Prior Sale	Mar 20, 2012 · Amount on Record
Deed Document Number	202058741
Prior Transfer Date	Sep 3, 1997
Prior Transfer Doc	0000081575
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1030 DUNCAN AVE, ELGIN, IL 60120-2414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047267
Date	Sep 27, 2018
Instrument	2018K047267

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2028

Interest

Rate Type	Adjustable Rate
Rate	5%
Change Frequency	Monthly
Min Rate At Change	4.5%
Max Rate	18%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 6, 2020
Property Address	1030 DUNCAN AVE, ELGIN, IL 60120-2414
Document Number	0000058741
Instrument Date	Sep 16, 2020
Instrument	2020K058741
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$216.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 DUNCAN AVE, ELGIN, IL 60120-2414

Mortgage

Document Number	0000058742
Date	Oct 6, 2020
Instrument	2020K058742

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

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	$6,348.00 (+15.84%) Homeowner's exemption	$91,208 (+8.57%) Land $17,146 Building $74,062	$273,733 (+8.57%) Land $51,459 Building $222,275
2024		$84,009 (+21.39%) Land $15,793 Building $68,216	$252,128 (+21.44%) Land $47,398 Building $204,730
2022	$5,480.00 (+4.64%) Homeowner's exemption	$69,204 (+6.96%) Land $13,010 Building $56,194	$207,612 (+6.96%) Land $39,030 Building $168,582
2021	$5,237.00 Homeowner's exemption	$64,700 Land $12,163 Building $52,537	$194,100 Land $36,489 Building $157,611

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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