3045 Chalkstone Ave, Elgin, IL 60124 Property Records

Kane County property record for 3045 Chalkstone Ave, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,046 sqft · built 2005
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Company Names on Record
Last Sale	$375,000 (Apr 2021)
Tax Bill	$11,404 (2025)
Deeds & Mortgages	Dec 2023 Transfer Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-430-001`

Property Details

APN / Parcel Number

Primary APN	`06-18-430-001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,046 sqft Living Area
Gross Area	4,589 sqft
Basement Area	1,543 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)
Lot Width	104 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	3045 CHALKSTONE AVE
City	ELGIN
State	IL
Zip	60124-8939
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE UNIT 1 LOT 197
Legal Subdivision	PROVIDENCE
Legal Block	2
Legal Lot Number	197
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2009
Census Tract	851911

Owner

Source: Kane County records, as of July 21, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	3045 CHALKSTONE AVE, ELGIN, IL 60124-8939
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 27, 2021	Warranty Deed, Transfer · Conventional Mortgage CHICAGO MORTGAGE SOLUTIONS CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2021 · Amount on Record
Deed Sale	Apr 27, 2021 · Amount on Record
Prior Sale	May 2, 2005 · Amount on Record
Deed Document Number	202133046
Record Updated	Sep 20, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Dec 14, 2023
Property Address	3045 CHALKSTONE AVE, ELGIN, IL 60124-8939
Document Number	0000043633
Map Reference	DOC 2004K032369
Instrument Date	Nov 24, 2023
Instrument	2023K043633
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3045 CHALKSTONE AVE, ELGIN, IL 60124-8939

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3045 CHALKSTONE AVE, ELGIN, IL 60124-8939
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079803
Date	Oct 21, 2021
Instrument	2021K079803

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

Interest

Rate	2.37%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 27, 2021
Property Address	3045 CHALKSTONE AVE, ELGIN, IL 60124-8939
Document Number	0000033046
Map Reference	DOC 2004K032369
Instrument Date	Apr 16, 2021
Instrument	2021K033046
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3045 CHALKSTONE AVE, ELGIN, IL 60124-8939

Mortgage

Document Number	0000033047
Date	Apr 27, 2021
Instrument	2021K033047

Lender

Name	CHICAGO MORTGAGE SOLUTIONS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,404.00 (+7.68%)
2024		$141,494 (+21.39%) Land $39,827 Building $101,667	$424,652 (+21.44%) Land $119,529 Building $305,123
2022	$10,591.00 (+3.41%) Homeowner's exemption	$116,557 (+6.96%) Land $32,808 Building $83,749	$349,671 (+6.96%) Land $98,424 Building $251,247
2021	$10,242.00 Homeowner's exemption	$108,972 Land $30,673 Building $78,299	$326,916 Land $92,019 Building $234,897

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

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 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50

May also be available: AT&T, Verizon.

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