181 Atwell St, Elgin, IL 60124 Property Records

Kane County property record for 181 Atwell St, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,366 sqft · built 2007
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$452,500 (Jun 2023)
Tax Bill	$10,311 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-485-003`

Property Details

APN / Parcel Number

Primary APN	`06-18-485-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,366 sqft Living Area
Gross Area	3,181 sqft
Basement Area	815 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Foundation Type	Raised
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	181 ATWELL ST
City	ELGIN
State	IL
Zip	60124-4346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE UNIT 2A LT 270
Legal Subdivision	PROVIDENCE
Legal Block	1
Legal Lot Number	270
Legal Unit	2A
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1011
Census Tract	851911

Owner

181 Atwell St is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	181 ATWELL ST, ELGIN, IL 60124-4346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Jun 12, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2023 · Amount on File
Deed Sale	Jun 12, 2023 · Amount on File
Prior Sale	Aug 27, 2007 · Amount on File
Deed Document Number	202319135
Prior Transfer Date	Jul 16, 2012
Prior Transfer Doc	0000051879
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 12, 2023
Property Address	181 ATWELL ST, ELGIN, IL 60124-4346
Document Number	0000019135
Instrument Date	Jun 1, 2023
Instrument	2023K019135
Transaction Type	Transfer
Record Updated	Jun 21, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$452.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	181 ATWELL ST, ELGIN, IL 60124-4346

Mortgage

Document Number	0000019136
Date	Jun 12, 2023
Instrument	2023K019136

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.5%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	181 ATWELL ST, ELGIN, IL 60124-4346
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	CT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009778
Date	Feb 5, 2021
Instrument	2021K009778

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	DANVILLE, CA 94526

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 1, 2031

Interest

Rate Type	Fixed Rate
Rate	2.12%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	181 ATWELL ST, ELGIN, IL 60124-4346
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024646
Date	May 14, 2020
Instrument	2020K024646

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Apr 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 181 Atwell St was $10,311 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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,311.00	$139,672 (+8.57%) Land $43,240 Building $96,432	$419,184 (+8.57%) Land $129,772 Building $289,412
2024		$128,647 Land $39,827 Building $88,820	$386,095 Land $119,529 Building $266,567
2022	$9,577.00 (+3.45%) Homeowner's exemption	$105,975 (+6.96%) Land $32,808 Building $73,167	$317,925 (+6.96%) Land $98,424 Building $219,501
2021	$9,258.00 Homeowner's exemption	$99,079 Land $30,673 Building $68,406	$297,237 Land $92,019 Building $205,218

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 181 Atwell St 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 181 Atwell St 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 288 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

May also be available: AT&T, Verizon.

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