165 S Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 165 S Commonwealth Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 968 sqft · built 1943
Lot Size	0.147 acres (6,389 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Aug 2025)
Tax Bill	$4,282 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-358-004`

Property Details

APN / Parcel Number

Primary APN	`06-14-358-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	968 sqft Living Area
Gross Area	1,936 sqft
1st Floor Area	968 sqft
Basement Area	968 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Construction Type	Frame
Lot Area	6,389 sqft (0.147 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	165 S COMMONWEALTH AVE
City	ELGIN
State	IL
Zip	60123-6163
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WASHINGTON HEIGHTS ADDN LOT 8 BLOCK 39
Legal Subdivision	ASHINGTON HEIGHTS ADDN
Legal Block	39
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3017
Census Tract	851101

Owner

165 S Commonwealth Ave is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	165 S COMMONWEALTH AVE, ELGIN, IL 60123-6163
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Dec 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Apr 23, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST AMERICAN BANK
Sep 8, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
Jun 21, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2025 · Amount on File
Deed Sale	Aug 8, 2025 · Amount on File
Prior Sale	Jun 21, 2021 · Amount on File
Deed Document Number	202530055
Prior Transfer Date	Nov 26, 1996
Prior Transfer Doc	0000086051
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	165 S COMMONWEALTH AVE, ELGIN, IL 60123-6163
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048601
Date	Dec 8, 2025
Instrument	2025K048601

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	12.7%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	165 S COMMONWEALTH AVE, ELGIN, IL 60123-6163
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031874
Date	Apr 23, 2021
Instrument	2021K031874

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	165 S COMMONWEALTH AVE, ELGIN, IL 60123-6163
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034330
Date	Sep 8, 2025
Instrument	2025K034330

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Aug 1, 2035

Interest

Rate Type	Fixed Rate
Rate	7.5%
Change Frequency	10 Years

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 21, 2021
Property Address	165 S COMMONWEALTH AVE, ELGIN, IL 60123-6163
Document Number	0000047351
Instrument Date	Mar 31, 2021
Instrument	2021K047351
Transaction Type	Transfer
Record Updated	Jul 9, 2021
Title Company	FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 S COMMONWEALTH AVE, ELGIN, IL 60123-6163

Mortgage

Document Number	0000047352
Date	Jun 21, 2021
Instrument	2021K047352

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 165 S Commonwealth Ave was $4,282.

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	$4,282.00	$64,136 (+8.57%) Land $15,416 Building $48,720	$192,485 (+8.57%) Land $46,267 Building $146,218
2024		$59,073 Land $14,199 Building $44,874	$177,290 Land $42,614 Building $134,676
2022	$3,699.00 (+5%) Homeowner's exemption	$48,662 (+6.96%) Land $11,697 Building $36,965	$145,986 (+6.96%) Land $35,091 Building $110,895
2021	$3,523.00 Homeowner's exemption	$45,496 Land $10,936 Building $34,560	$136,488 Land $32,808 Building $103,680

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 165 S Commonwealth Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 165 S Commonwealth Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 637 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, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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