Kane County property record for 2 S Melrose Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,615 sqft · built 1923 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $322,000 (Jul 2024) |
| Tax Bill | $6,082 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-15-408-009 |
| Primary APN | 06-15-408-009 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,615 sqft Living Area |
| Gross Area | 2,382 sqft |
| Basement Area | 767 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 6,600 sqft (0.152 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Window A/C |
|---|---|
| Water Source | Commercial |
| Street Address | 2 S MELROSE AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-6011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WASHINGTON HEIGHTS ADDN NORTH 2 FT LOT 1 & ALL OF LOT 1 BLOCK 11 |
| Legal Subdivision | ASHINGTON HEIGHTS ADDN |
| Legal Block | 11 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 851101 |
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2 S MELROSE AVE, ELGIN, IL 60123-6011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN BANK |
| Nov 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 10, 2017 | Warranty Deed, Transfer · Conventional with PMI HOMEWARD RESID'L |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2024 · Amount on Record |
| Deed Sale | Jul 29, 2024 · Amount on Record |
| Prior Sale | Feb 10, 2017 · Amount on Record |
| Deed Document Number | 202426399 |
| Prior Transfer Date | Mar 13, 2012 |
| Prior Transfer Doc | 0000040493 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 5, 2026 |
| Property Address | 2 S MELROSE AVE, ELGIN, IL 60123-6011 |
| Document Number | 0000018282 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 202618282 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2 S MELROSE AVE, ELGIN, IL 60123-6011 |
| Document Number | 0000018282, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 202618282 |
| Name | FIRST AMERICAN BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.63% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 2 S MELROSE AVE, ELGIN, IL 60123-6011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | GREATER ILLINOIS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000057610 |
|---|---|
| Date | Nov 27, 2019 |
| Instrument | 2019K057610 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Rate | 4.7% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 10, 2017 |
| Property Address | 2 S MELROSE AVE, ELGIN, IL 60123-6011 |
| Document Number | 0000008002 |
| Instrument Date | Jan 24, 2017 |
| Instrument | 8002 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2017 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $286.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 376 N COMMONWEALTH AVE ELGIN IL 601233464, ELGIN, IL 60123-3464 |
| Document Number | 8003 |
|---|---|
| Date | Feb 10, 2017 |
| Instrument | 8003 |
| Name | HOMEWARD RESID'L |
|---|---|
| Address | ADDISON, TX 75001 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 9, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,082.00 (+4.41%) | $87,722 (+8.57%) Land $15,540 Building $72,182 | $263,271 (+8.57%) Land $46,639 Building $216,633 |
| 2024 | $5,825.00 (+10.93%) | $80,797 (+21.39%) Land $14,313 Building $66,484 | $242,488 (+21.44%) Land $42,956 Building $199,532 |
| 2022 | $5,251.00 (+5.44%) Homeowner's exemption | $66,558 (+6.96%) Land $11,791 Building $54,767 | $199,674 (+6.96%) Land $35,373 Building $164,301 |
| 2021 | $4,980.00 Homeowner's exemption | $62,227 Land $11,024 Building $51,203 | $186,681 Land $33,072 Building $153,609 |
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.
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.
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 535 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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