1038 Center St, Elgin, IL 60120 Property Records

Kane County property record for 1038 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,502 sqft · built 1920
Lot Size	0.221 acres (9,617 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Jul 2021)
Tax Bill	$9,934 (2025)
Deeds & Mortgages	Jul 2021 Sale Dec 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-12-105-009`

Property Details

APN / Parcel Number

Primary APN	`06-12-105-009`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,502 sqft Living Area
Gross Area	3,753 sqft
Basement Area	1,251 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Lot Area	9,617 sqft (0.221 acres)
Lot Width	66 ft Width
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1038 CENTER ST
City	ELGIN
State	IL
Zip	60120-2127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLADES ADDN EXCEPT WEST 27.5 FT NORTH 33 FT LOT 10 BLOCK 3
Legal Subdivision	SLADES ADDN
Legal Block	3
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	6
Census Block	6014
Census Tract	850800

Owner

1038 Center St is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1038 CENTER ST, ELGIN, IL 60120-2127
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 19, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS
Dec 12, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2021 · Amount on File
Deed Sale	Jul 19, 2021 · Amount on File
Deed Document Number	202154986
Prior Transfer Date	Oct 25, 2019
Prior Transfer Doc	0000060408
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 19, 2021
Property Address	1038 CENTER ST, ELGIN, IL 60120-2127
Document Number	0000054986
Instrument Date	May 26, 2021
Instrument	2021K054986
Transaction Type	Transfer
Record Updated	Jul 29, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transaction

Amount	Amount on Record
Tax	$300.00
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
Address	1038 CENTER ST, ELGIN, IL 60120-2127

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Dec 12, 2019
Property Address	1038 CENTER ST, ELGIN, IL 60120-2127
Document Number	0000060408
Instrument Date	Oct 25, 2019
Instrument	60408
Transaction Type	Transfer
Record Updated	Dec 27, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 CENTER ST ELGIN IL 601202127, ELGIN, IL 60120-2127
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1038 Center St was $9,934 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	$9,934.00 Homeowner's exemption	$138,213 (+8.57%) Land $21,004 Building $117,209	$414,805 (+8.57%) Land $63,037 Building $351,768
2024		$127,303 Land $19,346 Building $107,957	$382,062 Land $58,061 Building $324,001
2022	$8,572.00 (+10.39%) Homeowner's exemption	$104,868 (+6.96%) Land $15,937 Building $88,931	$314,604 (+6.96%) Land $47,811 Building $266,793
2021	$7,765.00 Homeowner's exemption	$98,044 Land $14,900 Building $83,144	$294,132 Land $44,700 Building $249,432

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 1038 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 1038 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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