1042 Duncan Ave, Elgin, IL 60120 Property Records

Kane County property record for 1042 Duncan Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,092 sqft · built 1928
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Jul 2022)
Tax Bill	$5,097 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Apr 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-12-209-016`

Property Details

APN / Parcel Number

Primary APN	`06-12-209-016`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,092 sqft Living Area
Gross Area	2,184 sqft
Basement Area	1,092 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Bungalow
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
Water Source	Commercial

Location & Zoning

Street Address	1042 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 4 BLOCK 4
Legal Subdivision	R N BOTSFORDS ADDN
Legal Block	4
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	6
Census Block	6008
Census Tract	850800

Owner

1042 Duncan Ave is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1042 DUNCAN AVE, ELGIN, IL 60120-2414
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 25, 2022	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Apr 5, 2019	Warranty Deed, Transfer AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2022 · Amount on File
Deed Sale	Jul 25, 2022 · Amount on File
Prior Sale	Apr 5, 2019 · Amount on File
Deed Document Number	202237689
Prior Transfer Date	Oct 14, 2009
Prior Transfer Doc	0000082617
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 25, 2022
Property Address	1042 DUNCAN AVE, ELGIN, IL 60120-2414
Document Number	0000037689
Instrument Date	Jun 30, 2022
Instrument	2022K037689
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	LANDTRUST NATIONAL TITLE SERVICES, LANDTRUST NATIONAL TTL SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1042 DUNCAN AVE, 1042, ELGIN, IL 60120-2414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7539 BRISTOL LN UNIT 3, 3, HANOVER PARK, IL 60133-7219

Mortgage

Document Number	0000037690
Date	Jul 25, 2022
Instrument	2022K037690

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate	4.99%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 5, 2019
Property Address	1042 DUNCAN AVE, ELGIN, IL 60120-2414
Document Number	0000013183
Instrument Date	Mar 23, 2019
Instrument	13183
Transaction Type	Transfer
Record Updated	Apr 17, 2019
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transaction

Amount	Amount on Record
Tax	$228.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1042 DUNCAN AVE ELGIN IL 601202414, ELGIN, IL 60120-2414

Tax Assessment & Valuation

The 2025 property tax bill for 1042 Duncan Ave was $5,097 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	$5,097.00 Homeowner's exemption	$74,811 (+8.57%) Land $17,146 Building $57,665	$224,523 (+8.57%) Land $51,459 Building $173,064
2024		$68,906 Land $15,793 Building $53,113	$206,801 Land $47,398 Building $159,403
2022	$4,377.00 (+4.84%) Homeowner's exemption	$56,763 (+6.96%) Land $13,010 Building $43,753	$170,289 (+6.96%) Land $39,030 Building $131,259
2021	$4,175.00 Homeowner's exemption	$53,069 Land $12,163 Building $40,906	$159,207 Land $36,489 Building $122,718

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 1042 Duncan Ave 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

The area around 1042 Duncan Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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