281 N Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 281 N Commonwealth Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,504 sqft · built 1914
Lot Size	0.182 acres (7,920 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,199 (2025)
Deeds & Mortgages	Nov 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-14-152-002`

Property Details

APN / Parcel Number

Primary APN	`06-14-152-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,504 sqft Living Area
Gross Area	2,281 sqft
Basement Area	777 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Construction Type	Frame
Lot Area	7,920 sqft (0.182 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	281 N COMMONWEALTH AVE
City	ELGIN
State	IL
Zip	60123-5263
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCCLURES LINDEN ADDN LOT 13 BLOCK 4
Legal Subdivision	MCCLURES LINDEN ADDN
Legal Block	4
Legal Lot Number	13
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3023
Census Tract	851102

Owner

Source: Kane County records · APN 06-14-152-002

Assessment roll updated July 23, 2026 · Last verified August 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 File
Mailing Address	281 N COMMONWEALTH AVE, ELGIN, IL 60123-5263
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Oct 27, 2025
Transfer Doc	0000045094
Record Updated	Sep 20, 2026

November 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	KANE IL
Recording Date	Nov 13, 2025
Property Address	281 N COMMONWEALTH AVE, ELGIN, IL 60123-5263
Document Number	0000045094
Instrument Date	Oct 27, 2025
Instrument	2025K045094
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 N COMMONWEALTH AVE, ELGIN, IL 60123-5263

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,199.00 (+5.28%) Homeowner's exemption Senior Citizen's exemption	$97,256 (+8.57%) Land $21,944 Building $75,312	$291,885 (+8.57%) Land $65,858 Building $226,026
2024	$5,888.00 (+8.16%) Homeowner's exemption	$89,579 (+21.39%) Land $20,212 Building $69,367	$268,845 (+21.44%) Land $60,660 Building $208,184
2022	$5,444.00 (+5.24%) Homeowner's exemption	$73,792 (+6.96%) Land $16,650 Building $57,142	$221,376 (+6.96%) Land $49,950 Building $171,426
2021	$5,173.00 Homeowner's exemption	$68,991 Land $15,567 Building $53,424	$206,973 Land $46,701 Building $160,272

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1982 · rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

Based on FCC filings for 574 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.