Kane County property record for 104 N Commonwealth Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,125 sqft · built 1891 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $311,000 (Apr 2024) |
| Tax Bill | $7,134 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Jan 2023 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-160-007 |
| Primary APN | 06-14-160-007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,125 sqft Living Area |
| Gross Area | 3,204 sqft |
| Basement Area | 1,079 sqft |
| Year Built | Built 1891 |
|---|---|
| Effective Year Built | Effective 1891 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 104 N COMMONWEALTH AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-5230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CREIGHTON PARK ADDN LOT 5 BLOCK 8 |
| Legal Subdivision | CREIGHTON PARK ADDN |
| Legal Block | 8 |
| Legal Lot Number | 5 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 851101 |
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 | 1008 BAYSIDE DR, PALATINE, IL 60074-3211 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 3, 2024 | Deed, Transfer · FHA Mortgage AMERICAN PORTFOLIO MORTGAGE CORP |
| Jan 31, 2023 | Intrafamily Transfer, Transfer ATTORNEY |
| Feb 9, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CIBM BANK |
| Jan 5, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CIBM BANK |
| Dec 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CIBM BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2024 · Amount on Record |
| Deed Sale | Apr 3, 2024 · Amount on Record |
| Prior Sale | Oct 17, 2011 · Amount on Record |
| Deed Document Number | 202410819 |
| Prior Transfer Date | Jan 22, 2023 |
| Prior Transfer Doc | 0000003125 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 3, 2024 |
| Property Address | 104 N COMMONWEALTH AVE, ELGIN, IL 60123-5230 |
| Document Number | 0000010819 |
| Instrument Date | Mar 22, 2024 |
| Instrument | 2024K010819 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $311.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 N COMMONWEALTH AVE, ELGIN, IL 60123-5230 |
| Name | Verified Name |
|---|---|
| Address | 1008 BAYSIDE DR, PALATINE, IL 60074-3211 |
| Document Number | 0000010820 |
|---|---|
| Date | Apr 3, 2024 |
| Instrument | 2024K010820 |
| Name | AMERICAN PORTFOLIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.12% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 31, 2023 |
| Property Address | 104 N COMMONWEALTH AVE, ELGIN, IL 60123-5230 |
| Document Number | 0000003125 |
| Instrument Date | Jan 22, 2023 |
| Instrument | 2023K003125 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 N COMMONWEALTH AVE, ELGIN, IL 60123-5230 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 104 N COMMONWEALTH AVE, ELGIN, IL 60123-5230 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 104 N COMMONWEALTH AVE, ELGIN, IL 60123-5230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PRECISION TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000007832 |
|---|---|
| Date | Feb 9, 2017 |
| Instrument | 2017K007832 |
| Name | CIBM BANK |
|---|---|
| Type | Bank |
| Address | NAPERVILLE, IL 60563 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 104 N COMMONWEALTH AVE, ELGIN, IL 60123-5230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PRECISION TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000000920 |
|---|---|
| Date | Jan 5, 2018 |
| Instrument | 2018K000920 |
| Name | CIBM BANK |
|---|---|
| Type | Bank |
| Address | NAPERVILLE, IL 60563 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 104 N COMMONWEALTH AVE, ELGIN, IL 60123-5230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PRECISION TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000075029 |
|---|---|
| Date | Dec 3, 2020 |
| Instrument | 2020K075029 |
| Name | CIBM BANK |
|---|---|
| Type | Bank |
| Address | NAPERVILLE, IL 60563 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,134.00 (+16.19%) | $101,520 (+8.57%) Land $18,882 Building $82,638 | $304,682 (+8.57%) Land $56,669 Building $248,013 |
| 2024 | $93,507 (+21.39%) Land $17,392 Building $76,115 | $280,633 (+21.44%) Land $52,197 Building $228,436 | |
| 2022 | $6,140.00 (+4.58%) Homeowner's exemption | $77,028 (+6.96%) Land $14,327 Building $62,701 | $231,084 (+6.96%) Land $42,981 Building $188,103 |
| 2021 | $5,871.00 Homeowner's exemption | $72,016 Land $13,395 Building $58,621 | $216,048 Land $40,185 Building $175,863 |
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.
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 Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2018 · rainfall accumulation |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 574 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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