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1120 Duncan Ave, Elgin, IL 60120 Property Records

Kane County property record for 1120 Duncan Ave, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,370 sqft · built 1952
Lot Size0.182 acres (7,920 sqft)
Owner2 Individual Names on Record
Last Sale$175,000 (Mar 2003)
Tax Bill$4,530 (2025)
Deeds & MortgagesJun 2026 Line of Credit
Jan 2019 Line of Credit
Flood ZoneZone X (minimal risk)
APN06-12-205-011

Property Details

APN / Parcel Number

Primary APN06-12-205-011

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Stories1 Story
Building Area1,370 sqft Living Area
Gross Area2,575 sqft
1st Floor Area1,370 sqft
Basement Area1,205 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1952
Exterior MaterialBrick
Foundation TypeRaised
Lot Area7,920 sqft (0.182 acres)
Garage TypeAttached
Parking Spaces1 Parking Space

Location & Zoning

Street Address1120 DUNCAN AVE
CityELGIN
StateIL
Zip60120-2416
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRIVERSIDE PARK ADDN LOT 4 BLOCK 10
Legal SubdivisionRIVERSIDE PARK ADDN
Legal Block10
Legal Lot Number4
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group6
Census Block6007
Census Tract850800

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 Record2 Individual Names on Record
Mailing Address1120 DUNCAN AVE, ELGIN, IL 60120-2416
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Jun 10, 2026Deed of Trust, Mortgage · Line of Credit
CONSUMERS CREDIT UNION
Jan 29, 2019Deed of Trust, Mortgage · Line of Credit
KANE COUNTY TEACHERS CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 19, 2003 · Amount on Record
Deed SaleMar 19, 2003 · Amount on Record
Prior SaleJun 2, 1998 · Amount on Record
Deed Document Number200344437
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Recording DateJun 10, 2026
Property Address1120 DUNCAN AVE, ELGIN, IL 60120-2416
Document Number0000023979
Instrument DateJun 3, 2026
Instrument202623979
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyICE MORTGAGE TECHNOLOGY INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety, 298
Address1120 DUNCAN AVE, ELGIN, IL 60120-2416

Mortgage

Document Number0000023979,
DateJun 10, 2026
Instrument202623979
Lender
NameCONSUMERS CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueJun 20, 2046
Interest
Rate6.37%
Max Rate-1%

January 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address1120 DUNCAN AVE, ELGIN, IL 60120-2416
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000003832
DateJan 29, 2019
Instrument2019K003832
Lender
NameKANE COUNTY TEACHERS CU
TypeCredit Union
AddressELGIN, IL 60123
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueJan 28, 2039
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,530.00 (-25.04%) Homeowner's exemption Senior Citizen's exemption$99,359 (+8.57%) Land $19,206 Building $80,153$298,196 (+8.57%) Land $57,641 Building $240,555
2024$6,043.00 (+0.45%)$91,516 (+21.39%) Land $17,690 Building $73,826$274,658 (+21.44%) Land $53,091 Building $221,567
2022$6,016.00 (+4.59%) Homeowner's exemption$75,388 (+6.96%) Land $14,573 Building $60,815$226,164 (+6.96%) Land $43,719 Building $182,445
2021$5,752.00 Homeowner's exemption$70,483 Land $13,625 Building $56,858$211,449 Land $40,875 Building $170,574

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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

ProviderMax 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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