196 Atwell St, Elgin, IL 60124 Property Records

Kane County property record for 196 Atwell St, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,347 sqft · built 2005
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (Nov 2022)
Tax Bill	$12,505 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Feb 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-455-003`

Property Details

APN / Parcel Number

Primary APN	`06-18-455-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,347 sqft Living Area
Gross Area	5,104 sqft
Basement Area	1,757 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)
Lot Width	61 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	196 ATWELL ST
City	ELGIN
State	IL
Zip	60124-4346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COPPER SPRINGS LOT 135
Legal Subdivision	COPPER SPRINGS
Legal Block	1
Legal Lot Number	135
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1011
Census Tract	851911

Owner

Source: Kane County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	196 ATWELL ST, ELGIN, IL 60124-4346
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 14, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Sep 30, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 28, 2022 · Amount on Record
Deed Sale	Nov 28, 2022 · Amount on Record
Prior Sale	Apr 30, 2015 · Amount on Record
Deed Document Number	202256496
Prior Transfer Date	Sep 21, 2020
Prior Transfer Doc	0000057307
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 28, 2022
Property Address	196 ATWELL ST, ELGIN, IL 60124-4346
Document Number	0000056496
Map Reference	DOC 2004K147283
Instrument Date	Sep 10, 2022
Instrument	2022K056496
Transaction Type	Transfer
Record Updated	Dec 6, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	196 ATWELL STREET, 196, DURAND, IL 61024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 ATWELL ST, ELGIN, IL 60124-4346

Mortgage

Document Number	0000056497
Date	Nov 28, 2022
Instrument	2022K056497

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Interest

Rate	6.25%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	196 ATWELL ST, ELGIN, IL 60124-4346
Transaction Type	Mortgage
Record Updated	Feb 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 ATWELL ST, ELGIN, IL 60124-4346

Mortgage

Document Number	0000008547
Date	Feb 14, 2022
Instrument	2022K008547

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 2, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Sep 30, 2020
Property Address	196 ATWELL ST, ELGIN, IL 60124-4346
Document Number	0000057307
Map Reference	DOC 2004K147283
Instrument Date	Sep 21, 2020
Instrument	2020K057307
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 ATWELL ST, ELGIN, IL 60124-4346

Mortgage

Document Number	0000057174
Date	Sep 30, 2020
Instrument	2020K057174

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 2025

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	$12,505.00 (+7.68%) Homeowner's exemption
2024		$154,441 (+21.39%) Land $39,827 Building $114,614	$463,508 (+21.44%) Land $119,529 Building $343,980
2022	$11,613.00 (+3.37%) Homeowner's exemption	$127,223 (+6.96%) Land $32,808 Building $94,415	$381,669 (+6.96%) Land $98,424 Building $283,245
2021	$11,234.00 Homeowner's exemption	$118,944 Land $30,673 Building $88,271	$356,832 Land $92,019 Building $264,813

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

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

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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