286 Villa St, Elgin, IL 60120 Property Records

Kane County property record for 286 Villa St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,270 sqft · built 1900
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$269,000 (Jun 2026)
Tax Bill	$4,180 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-380-009`

Property Details

APN / Parcel Number

Primary APN	`06-13-380-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,270 sqft Living Area
Gross Area	1,667 sqft
Basement Area	397 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	Raised
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	286 VILLA ST
City	ELGIN
State	IL
Zip	60120-6657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAILROAD ADDN COUNTY CLERKS SUB E LOT 3 BLOCK 5
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	5
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2010
Census Tract	851301

Owner

Source: Kane County records, as of October 1, 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	324 WASHINGTON ST, ELGIN, IL 60123-5446
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Dec 2, 2025	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 23, 2025	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	Jun 12, 2024 · Amount on Record
Deed Document Number	202627358
Prior Transfer Date	Nov 11, 2025
Prior Transfer Doc	0000047718
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 30, 2026
Property Address	286 VILLA ST, ELGIN, IL 60120-6657
Document Number	0000027358
Instrument Date	Jun 23, 2026
Instrument	202627358
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,753.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027359,
Date	Jun 30, 2026
Instrument	202627359

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate	6.75%
Max Rate	-1%

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Dec 2, 2025
Property Address	286 VILLA ST, ELGIN, IL 60120-6657
Document Number	0000047718
Instrument Date	Nov 11, 2025
Instrument	2025K047718
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	924 DUXBURY LN, SCHAUMBURG, IL 60193-2616

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	286 VILLA ST, ELGIN, IL 60120-6657
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 VILLA ST, ELGIN, IL 60120-6657

Mortgage

Document Number	0000041798
Date	Oct 23, 2025
Instrument	2025K041798

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

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	$4,180.00 (+4.81%)	$62,796 (+8.57%) Land $13,153 Building $49,643	$188,463 (+8.57%) Land $39,475 Building $148,989
2024	$3,988.00 (+10.44%) Homeowner's exemption	$57,839 (+21.39%) Land $12,115 Building $45,724	$173,586 (+21.44%) Land $36,360 Building $137,227
2022	$3,611.00 (+5.03%) Homeowner's exemption	$47,646 (+6.96%) Land $9,980 Building $37,666	$142,938 (+6.96%) Land $29,940 Building $112,998
2021	$3,438.00 Homeowner's exemption	$44,546 Land $9,331 Building $35,215	$133,638 Land $27,993 Building $105,645

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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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