Kane County property record for 305 E Chicago St, Elgin, IL 60120 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1900 |
| Square Footage | 1,672 sqft Living Area |
| Lot Size | 2,178 sqft (0.5 acres) |
| Last Sale | $291,000 (2024) |
| Tax Bill | $5,661.00 (2025) |
| Primary APN | 06-13-304-002 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,672 sqft Living Area |
| Gross Area | 2,564 sqft Gross Area |
| Basement Area | 892 sqft Basement |
| Stories | 2 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame Construction |
| Lot Area | 2,178 sqft (0.5 acres) |
| Depth X Width | 66 ft x 33 ft Depth x Width |
| Cooling System | HVAC Cooling |
|---|---|
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 305 E CHICAGO ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-6510 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | JAMES T GIFFORDS PLAT OF EAST ELGIN EAST 1/2 NORTH 1/2 LOT 5 BLOCK 2 |
| Legal Subdivision | JAMES T GIFFORDS PLAT |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 2 |
| Census Block | 2014 |
| Census Tract | 854600 |
Source: Kane County records · APN 06-13-304-002
Assessment roll updated December 26, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 950 JEFFERSON AVE, B, ELGIN, IL 60120-4081 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 13, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC |
| Nov 24, 2021 | Warranty Deed, Transfer · Commercial Mortgage FINANCE OF AMERICA COMMERCIAL |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 15, 2024 · Amount on Record |
| Deed Sale | Jul 15, 2024 · Amount on Record |
| Prior Sale | Nov 24, 2021 · Amount on Record |
| Prior Transfer Date | Sep 16, 2008 |
| Prior Transfer Doc | 0000086454 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 305 E CHICAGO ST, ELGIN, IL 60120-6510 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Title Company | GREATER ILLINOIS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000019328 |
|---|---|
| Date | Jun 13, 2023 |
| Instrument | 2023K019328 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92808 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.12% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Jul 01, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 9.12% |
| Max Rate At Change | 11.1% |
| Index | Other |
| Margin | 6 |
| Max Rate | 14.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Nov 24, 2021 |
| Property Address | 305 E CHICAGO ST, ELGIN, IL 60120-6510 |
| Document Number | 0000088460 |
| Instrument Date | Oct 01, 2021 |
| Instrument | 2021K088460 |
| Transaction Type | Transfer |
| Record Updated | Dec 08, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000088461 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 2021K088461 |
| Name | FINANCE OF AMERICA COMMERCIAL |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 18 Months |
| Due | May 01, 2023 |
Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,661.00 (+15.96%) | ||
| 2024 | $68,348 (+21.4%) Land $11,862 Building $56,486 | $205,126 (+21.44%) Land $35,600 Building $169,526 | |
| 2022 | $4,882.00 (+3.96%) | $56,302 (+6.96%) Land $9,771 Building $46,531 | $168,906 (+6.96%) Land $29,313 Building $139,593 |
| 2021 | $4,696.00 | $52,638 Land $9,135 Building $43,503 | $157,914 Land $27,405 Building $130,509 |
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