259 Ann St, Elgin, IL 60120 Property Records

Kane County property record for 259 Ann St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,120 sqft · built 1900
Lot Size	0.121 acres (5,280 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (May 2024)
Tax Bill	$5,591 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-104-004`

Property Details

APN / Parcel Number

Primary APN	`06-13-104-004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,120 sqft Living Area
Gross Area	3,180 sqft
Basement Area	1,060 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	5,280 sqft (0.121 acres)

Location & Zoning

Street Address	259 ANN ST
City	ELGIN
State	IL
Zip	60120-4281
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADDN EAST 40 FT COUNTY CLERKS SUB I LOT 1 BLOCK 4
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	4
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1000
Census Tract	854600

Owner

Source: Kane County records, as of October 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	259 ANN ST, ELGIN, IL 60120-4281
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
May 3, 2024	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA
Feb 19, 2021	Intrafamily Transfer, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC
Feb 28, 2019	Warranty Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2024 · Amount on Record
Deed Sale	May 3, 2024 · Amount on Record
Prior Sale	Feb 19, 2021
Deed Document Number	202414822
Prior Transfer Date	Jan 6, 2021
Prior Transfer Doc	0000013333
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 3, 2024
Property Address	259 ANN ST, ELGIN, IL 60120-4281
Document Number	0000014822
Instrument Date	May 2, 2024
Instrument	2024K014822
Transaction Type	Transfer
Record Updated	May 10, 2024
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	259 ANN ST, ELGIN, IL 60120-4281

Mortgage

Document Number	0000014823
Date	May 3, 2024
Instrument	2024K014823

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Feb 19, 2021
Property Address	259 ANN ST, ELGIN, IL 60120-4281
Document Number	0000013333
Instrument Date	Jan 6, 2021
Instrument	2021K013333
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	TITLE 365, TITLE365

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	259 ANN ST, ELGIN, IL 60120-4281

Mortgage

Document Number	0000013334
Date	Feb 19, 2021
Instrument	2021K013334

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate	3.25%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 28, 2019
Property Address	259 ANN ST, ELGIN, IL 60120-4281
Document Number	0000007887
Instrument Date	Feb 1, 2019
Instrument	7887
Transaction Type	Transfer
Record Updated	Mar 11, 2019
Title Company	LAKELAND TITLE SERVICES, LAKELAND TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$273.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 WELLINGTON AVE ELGIN IL 601207707, ELGIN, IL 60120-7707

Mortgage

Document Number	7888
Date	Feb 28, 2019
Instrument	7888

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2049

Tax Assessment & Valuation

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	$5,591.00 (+15.83%)	$81,288 (+8.57%) Land $9,174 Building $72,114	$243,962 (+8.57%) Land $27,533 Building $216,429
2024		$74,872 (+21.39%) Land $8,450 Building $66,422	$224,706 (+21.44%) Land $25,360 Building $199,346
2022	$4,827.00 (+4.73%) Homeowner's exemption	$61,677 (+6.96%) Land $6,961 Building $54,716	$185,031 (+6.96%) Land $20,883 Building $164,148
2021	$4,609.00 Homeowner's exemption	$57,664 Land $6,508 Building $51,156	$172,992 Land $19,524 Building $153,468

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	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.

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 504 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile, Verizon.

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