305 Park St, Elgin, IL 60120 Property Records

Kane County property record for 305 Park St, Elgin, IL 60120

Property Summary

Property Type	Commercial
Lot Size	0.848 acres (36,932 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Dec 2013)
Tax Bill	$24,903 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-13-153-020`

Property Details

APN / Parcel Number

Primary APN	`06-13-153-020`

Exterior

Lot Area	36,932 sqft (0.848 acres)
Lot Width	192 ft Width

Location & Zoning

Street Address	305 PARK ST
City	ELGIN
State	IL
Zip	60120-4446
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	B W RAYMONDS ADDN PART OF LOT 1 DESC IN BOOK 2531/58 LOT 2 (EXCEPT THE EAST 5 FT OF THE NORTH 1/2) & THE SOUTH 75 FT OF THE WEST 1/2 (EXCEPT THE EAST 1.5 FT) OF LOT 3
Legal Subdivision	B W RAYMONDS ADDN
Legal Block	1
Legal Lot Number	1,2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1009
Census Tract	854600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elgin Historic District listed 1983 · 327 contributing resources · NRIS 83000318

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	305 PARK ST, ELGIN, IL 60120-4446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2017	Deed of Trust, Mortgage · Commercial Mortgage BMO HARRIS BANK NA
Apr 4, 2018	Trustee's Deed, Construction Loan · Line of Credit BMO HARRIS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2013 · Amount on Record
Deed Sale	Dec 17, 2013 · Amount on Record
Deed Document Number	201386718
Prior Transfer Date	Dec 2, 2003
Prior Transfer Doc	0000218258
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	305 PARK ST, ELGIN, IL 60120-4446
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063856
Date	Dec 7, 2017
Instrument	2017K063856

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60603

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Apr 4, 2018
Property Address	305 PARK ST, ELGIN, IL 60120-4446
Instrument Date	Mar 27, 2018
Instrument	15391
Transaction Type	Construction Loan
Record Updated	Apr 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 PARK ST ELGIN IL 601204446, ELGIN, IL 60120-4446

Mortgage

Document Number	0000015391
Date	Apr 4, 2018
Instrument	15391

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60603-4095

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 3, 2019

Interest

Rate Type	Adjustable Rate
Rate	4.75%

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	$24,903.00 (-9.99%) Homeowner's exemption	$334,435 (-15.25%) Land $97,564 Building $236,871	$1,003,706 (-15.25%) Land $292,809 Building $710,897
2024		$394,630 (+21.39%) Land $122,771 Building $271,859	$1,184,364 (+21.44%) Land $368,460 Building $815,903
2022	$27,668.00 (+4.09%) Homeowner's exemption	$325,082 (+6.96%) Land $101,134 Building $223,948	$975,246 (+6.96%) Land $303,402 Building $671,844
2021	$26,580.00 Homeowner's exemption	$303,928 Land $94,553 Building $209,375	$911,784 Land $283,659 Building $628,125

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

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 545 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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