Kane County property record for 11N583 Howard Ave, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,016 sqft · built 1978 |
| Lot Size | 0.524 acres (22,807 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $140,000 (Jan 1998) |
| Tax Bill | $2,660 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-17-278-007 |
| Primary APN | 06-17-278-007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,016 sqft Living Area |
| Gross Area | 3,024 sqft |
| Basement Area | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Frame |
| Lot Area | 22,807 sqft (0.524 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 11N583 HOWARD AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-4831 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALMORA HEIGHTS 4TH ADDN LOT 6 BLOCK 9 |
| Legal Subdivision | ALMORA HEIGHTS |
| Legal Block | 9 |
| Legal Lot Number | 6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 851904 |
11N583 Howard Ave is owned by a company that acquired it in June 2005 and is owner-occupied.
Source: Kane County records, as of September 28, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 11N583 HOWARD AVE, ELGIN, IL 60124-4831 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 4, 2023 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Jun 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Apr 11, 2018 | Deed of Trust, Mortgage · Conventional Mortgage TOP FLITE FINANCIAL INC |
| Oct 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 1998 · Amount on File |
| Deed Sale | Jan 7, 1998 · Amount on File |
| Deed Document Number | 19981319 |
| Last Transfer Date | Jun 22, 2005 |
| Transfer Doc | 0000071614 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 11N583 HOWARD AVE, ELGIN, IL 60124-4831 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 11N583 HOWARD AVE, ELGIN, IL 60124-4831 |
| Document Number | 0000014118 |
|---|---|
| Date | May 4, 2023 |
| Instrument | 2023K014118 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 21, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 11N583 HOWARD AVE, ELGIN, IL 60124-4831 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000044308 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 2021K044308 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate | 3.37% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 11N583 HOWARD AVE, ELGIN, IL 60124-4831 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000016417 |
|---|---|
| Date | Apr 11, 2018 |
| Instrument | 2018K016417 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | WILLIAMSTON, MI 48895 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 11N583 HOWARD AVE, ELGIN, IL 60124-4831 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000047829 |
|---|---|
| Date | Oct 9, 2019 |
| Instrument | 2019K047829 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ITASCA, IL 60143 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Rate | 3.62% |
|---|
The 2025 property tax bill for 11N583 Howard Ave was $2,660 with exemptions applied.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,660.00 Homeowner's exemption Senior Citizen's exemption | $130,144 (+8.57%) Land $28,368 Building $101,776 | $390,588 (+8.57%) Land $85,138 Building $305,450 |
| 2024 | $119,871 Land $26,129 Building $93,742 | $359,757 Land $78,418 Building $281,339 | |
| 2022 | $3,477.00 (-1.25%) Homeowner's exemption | $98,747 (+6.96%) Land $21,525 Building $77,222 | $296,241 (+6.96%) Land $64,575 Building $231,666 |
| 2021 | $3,521.00 Homeowner's exemption | $92,321 Land $20,124 Building $72,197 | $276,963 Land $60,372 Building $216,591 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11N583 Howard Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2000) |
| Most Recent Claim | Jun 2000 |
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.
The area around 11N583 Howard 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.
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 170 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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