265 Center St, Elgin, IL 60120 Property Records

Kane County property record for 265 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,655 sqft · built 1890
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Dec 2025)
Tax Bill	$7,799 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-106-005`

Property Details

APN / Parcel Number

Primary APN	`06-13-106-005`

Interior

Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,655 sqft Living Area
Gross Area	2,398 sqft
Basement Area	743 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,801 sqft (0.225 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	265 CENTER ST
City	ELGIN
State	IL
Zip	60120-4100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADD SLY 3 RODS LOT 4 & ALL LOT 1 BLK 3
Legal Subdivision	P J KIMBALL JRS 3RD ADD
Legal Block	3
Legal Lot Number	4,1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
Census Tract	854600

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2 ROYAL WAY, BARRINGTON, IL 60010-8612
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2025 · Amount on Record
Deed Sale	Dec 16, 2025 · Amount on Record
Deed Document Number	202549913
Record Updated	Oct 29, 2026

December 2025: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	KANE IL
Recording Date	Dec 16, 2025
Property Address	265 CENTER ST, ELGIN, IL 60120-4100
Document Number	0000049913
Instrument Date	Nov 28, 2025
Instrument	2025K049913
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	UNKNOWN, CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 ROYAL WAY, BARRINGTON, IL 60010-8612

Mortgage

Document Number	0000049914
Date	Dec 16, 2025
Instrument	2025K049914

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.62%

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	$7,799.00 (+4.2%) Homeowner's exemption	$110,235 (+8.57%) Land $12,580 Building $97,655	$330,837 (+8.57%) Land $37,755 Building $293,082
2024	$7,485.00 (+21.75%) Homeowner's exemption	$101,534 (+32.03%) Land $11,587 Building $89,947	$304,724 (+32.08%) Land $34,775 Building $269,949
2022	$6,148.00 (+4.58%) Homeowner's exemption	$76,904 (+6.96%) Land $9,545 Building $67,359	$230,712 (+6.96%) Land $28,635 Building $202,077
2021	$5,879.00 Homeowner's exemption	$71,900 Land $8,924 Building $62,976	$215,700 Land $26,772 Building $188,928

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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