278 Villa Pl, Elgin, IL 60120 Property Records

Kane County property record for 278 Villa Pl, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 2,740 sqft · built 1900
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Company Names on File
Tax Bill	$7,682 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-378-042`

Property Details

APN / Parcel Number

Primary APN	`06-13-378-042`
Alternative APN	`0613378022`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,740 sqft Living Area
Gross Area	3,916 sqft
Basement Area	1,176 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	9,583 sqft (0.22 acres)

Location & Zoning

Street Address	278 VILLA PL
City	ELGIN
State	IL
Zip	60120-6677
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FISKS SUB LT 2 EX THE N 35 FT THEREOF AND THE S 50.6 FT OF THE N 85.6 FT OF LT 3
Legal Subdivision	FISKS SUB
Legal Block	2
Legal Lot Number	2,3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2048
Census Tract	854600

Owner

278 Villa Pl, a single family home, is owned by a company.

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

Owner of Record	2 Company Names on File
Mailing Address	322 HILLTOP CT, LAKE BARRINGTON, IL 60010-1705
Owner Type	Company

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
Sep 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CREDIT UNION
Aug 16, 2021	Warranty Deed, Transfer · Commercial Mortgage FIRST FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Sep 14, 2026
Property Address	278 VILLA PL, ELGIN, IL 60120-6677
Document Number	0000039657
Instrument Date	Jul 23, 2026
Instrument	202639657
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103

Mortgage

Document Number	0000039657,
Date	Sep 14, 2026
Instrument	202639657

Lender

Name	CONSUMERS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 16, 2021
Property Address	278 VILLA PL, ELGIN, IL 60120-6677
Document Number	0000062307
Instrument Date	Apr 29, 2021
Instrument	2021K062307
Transaction Type	Transfer
Record Updated	Aug 25, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 VILLA ST, ELGIN, IL 60120-6670

Mortgage

Document Number	0000062308
Date	Aug 16, 2021
Instrument	2021K062308

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	OTTAWA, IL 61350

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	59 Months
Due	Jul 1, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 278 Villa Pl was $7,682.

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	$7,682.00	$100,698 (+8.57%) Land $12,666 Building $88,032	$302,215 (+8.57%) Land $38,013 Building $264,202
2024		$92,749 Land $11,666 Building $81,083	$278,358 Land $35,012 Building $243,346
2022	$6,625.00 (+3.97%)	$76,403 (+6.96%) Land $9,610 Building $66,793	$229,209 (+6.96%) Land $28,830 Building $200,379
2021	$6,372.00	$71,432 Land $8,985 Building $62,447	$214,296 Land $26,955 Building $187,341

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 278 Villa Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2007–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 278 Villa Pl 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 515 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
Verizon Fixed Wireless	300 / 20

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

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