277 Center St, Elgin, IL 60120 Property Records

Kane County property record for 277 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 747 sqft · built 1925
Lot Size	0.57 acres (2,478 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (May 2024)
Tax Bill	$3,520 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-106-001`

Property Details

APN / Parcel Number

Primary APN	`06-13-106-001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	747 sqft Living Area
Gross Area	1,494 sqft
1st Floor Area	747 sqft
Basement Area	747 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Bungalow
Construction Type	Frame
Lot Area	2,478 sqft (0.57 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	277 CENTER ST
City	ELGIN
State	IL
Zip	60120-4163
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADDN NORTH 42 FT OF WEST 58 FT LOT 3 BLOCK 3
Legal Subdivision	P J KIMBALL JRS 3RD ADDN
Legal Block	3
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
Census Tract	854600

Owner

277 Center St is owned and occupied by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	277 CENTER ST, ELGIN, IL 60120-4163
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
May 8, 2024	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jul 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jul 19, 2018	Warranty Deed, Transfer · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2024 · Amount on File
Deed Sale	May 8, 2024 · Amount on File
Prior Sale	Jul 19, 2018 · Amount on File
Deed Document Number	202415232
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 8, 2024
Property Address	277 CENTER ST, ELGIN, IL 60120-4163
Document Number	0000015232
Instrument Date	Apr 28, 2024
Instrument	2024K015232
Transaction Type	Transfer
Record Updated	May 15, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	277 CENTER ST, ELGIN, IL 60120-4163

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Ux (and Wife)
Address	277 CENTER ST, ELGIN, IL 60120-4163

Mortgage

Document Number	0000015233
Date	May 8, 2024
Instrument	2024K015233

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	277 CENTER ST, ELGIN, IL 60120-4163
Transaction Type	Mortgage
Record Updated	Jul 29, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055631
Date	Jul 20, 2021
Instrument	2021K055631

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 19, 2018
Property Address	277 CENTER ST, ELGIN, IL 60120-4163
Document Number	0000034755
Instrument Date	Jun 26, 2018
Instrument	34755
Transaction Type	Transfer
Record Updated	Aug 1, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 CENTER ST ELGIN IL 601204163, ELGIN, IL 60120-4163

Mortgage

Document Number	34758
Date	Jul 19, 2018
Instrument	34758

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	CHICAGO, IL 60601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	34756,
Date	Jul 19, 2018
Instrument	34756

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2048

Interest

Rate Type	Fixed Rate
Rate	5.25%

Tax Assessment & Valuation

The 2025 property tax bill for 277 Center St was $3,520.

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	$3,520.00	$54,150 (+8.57%) Land $6,316 Building $47,834	$162,515 (+8.57%) Land $18,956 Building $143,559
2024		$49,875 Land $5,817 Building $44,058	$149,685 Land $17,458 Building $132,227
2022	$3,562.00 (+3.97%)	$41,085 (+6.96%) Land $4,792 Building $36,293	$123,255 (+6.96%) Land $14,376 Building $108,879
2021	$3,426.00	$38,411 Land $4,480 Building $33,931	$115,233 Land $13,440 Building $101,793

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 277 Center 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

The area around 277 Center St has no burnable land within ember reach, so its wildfire risk is not rated.

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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