1124 Duncan Ave, Elgin, IL 60120 Property Records

Kane County property record for 1124 Duncan Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 954 sqft · built 1922
Lot Size	0.182 acres (7,920 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Jan 2017)
Tax Bill	$4,992 (2025)
Deeds & Mortgages	Feb 2024 Transfer May 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-205-010`

Property Details

APN / Parcel Number

Primary APN	`06-12-205-010`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	954 sqft Living Area
Gross Area	1,908 sqft
1st Floor Area	954 sqft
Basement Area	954 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Traditional
Construction Type	Frame
Lot Area	7,920 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1124 DUNCAN AVE
City	ELGIN
State	IL
Zip	60120-2416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERSIDE PARK ADDN LOT 3 BLOCK 10
Legal Subdivision	RIVERSIDE PARK ADDN
Legal Block	10
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	6
Census Block	6007
Census Tract	850800

Owner

Source: Kane County assessment roll, as of August 25, 2025

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 File
Mailing Address	1710 CLOVERDALE WAY, BELVIDERE, IL 61008-6478
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2024	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 20, 2021	Deed of Trust, Mortgage · Line of Credit ABRI CU
Jan 24, 2017	Warranty Deed, Transfer · Conventional Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 24, 2017 · Amount on Record
Deed Sale	Jan 24, 2017 · Amount on Record
Prior Sale	Sep 10, 2012 · Amount on Record
Deed Document Number	20174407
Last Transfer Date	Jan 22, 2024
Transfer Doc	0000003390
Record Updated	Sep 20, 2026

February 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	KANE IL
Recording Date	Feb 1, 2024
Property Address	1124 DUNCAN AVE, ELGIN, IL 60120-2416
Document Number	0000003390
Instrument Date	Jan 22, 2024
Instrument	2024K003390
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1124 DUNCAN AVE, ELGIN, IL 60120-2416

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1710 CLOVERDALE WAY, BELVIDERE, IL 61008-6478

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1124 DUNCAN AVE, ELGIN, IL 60120-2416
Transaction Type	Mortgage
Record Updated	Jun 3, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039290
Date	May 20, 2021
Instrument	2021K039290

Lender

Name	ABRI CU
Type	Credit Union
Address	ROMEOVILLE, IL 60446

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 24, 2017
Property Address	1124 DUNCAN AVE, ELGIN, IL 60120-2416
Document Number	0000004407
Instrument Date	Jan 5, 2017
Instrument	2017K004407
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TITLE GUJARANTY FU

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3602 WISTERIA DR, 3602, CRYSTAL LAKE, IL 60012-1347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1124 DUNCAN AVE, ELGIN, IL 60120-2416

Mortgage

Document Number	0000004408
Date	Jan 24, 2017
Instrument	2017K004408

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate	4%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$4,992.00 (+15.8%)
2024		$67,641 (+21.39%) Land $17,690 Building $49,951	$203,004 (+21.44%) Land $53,091 Building $149,913
2022	$4,311.00 (+4.84%) Homeowner's exemption	$55,721 (+6.96%) Land $14,573 Building $41,148	$167,163 (+6.96%) Land $43,719 Building $123,444
2021	$4,112.00 Homeowner's exemption	$52,095 Land $13,625 Building $38,470	$156,285 Land $40,875 Building $115,410

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

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
Radiate Holdings Cable	1,500 / 50
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile USA, Verizon.

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