306 Illinois Ave, Elgin, IL 60120 Property Records

Kane County property record for 306 Illinois Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,740 sqft · built 1926
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$199,000 (Dec 2017)
Tax Bill	$6,420 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-478-012`

Property Details

APN / Parcel Number

Primary APN	`06-13-478-012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,740 sqft Living Area
Gross Area	2,487 sqft
Basement Area	747 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	306 ILLINOIS AVE
City	ELGIN
State	IL
Zip	60120-6734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDWARD C LOVELLS ADDN LOT 12 BLOCK 2
Legal Subdivision	EDWARD C LOVELLS ADDN
Legal Block	2
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3005
Census Tract	851400

Owner

306 Illinois Ave is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	306 ILLINOIS AVE, ELGIN, IL 60120-6734
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Dec 21, 2017	Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK NA
Sep 8, 2017	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2017 · Amount on File
Deed Sale	Dec 21, 2017 · Amount on File
Prior Sale	Sep 8, 2017 · Amount on File
Deed Document Number	201766469
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	306 ILLINOIS AVE, ELGIN, IL 60120-6734
Transaction Type	Mortgage
Record Updated	Jul 20, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069567
Date	Sep 13, 2021
Instrument	2021K069567

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 21, 2017
Property Address	306 ILLINOIS AVE, ELGIN, IL 60120-6734
Document Number	0000066469
Instrument Date	Dec 6, 2017
Instrument	2017K066469
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 ILLINOIS AVE, ELGIN, IL 60120-6734

Mortgage

Document Number	0000066470
Date	Dec 21, 2017
Instrument	2017K066470

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 8, 2017
Property Address	306 ILLINOIS AVE, ELGIN, IL 60120-6734
Document Number	0000047124
Instrument Date	Jun 26, 2017
Instrument	47124
Transaction Type	Transfer
Record Updated	Sep 28, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Tax	$134.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 IRVINGTON CT BARTLETT IL 601034653, BARTLETT, IL 60103-4653

Tax Assessment & Valuation

The 2025 property tax bill for 306 Illinois Ave was $6,420 with a homeowner's exemption.

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	$6,420.00 Homeowner's exemption	$92,153 (+8.57%) Land $11,362 Building $80,791	$276,570 (+8.57%) Land $34,100 Building $242,470
2024		$84,879 Land $10,465 Building $74,414	$254,739 Land $31,408 Building $223,331
2022	$5,542.00 (+4.65%) Homeowner's exemption	$69,919 (+6.96%) Land $8,620 Building $61,299	$209,757 (+6.96%) Land $25,860 Building $183,897
2021	$5,296.00 Homeowner's exemption	$65,369 Land $8,059 Building $57,310	$196,107 Land $24,177 Building $171,930

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

FEMA maps place 306 Illinois Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 306 Illinois Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 438 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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