Kane County property record for 307 N Commonwealth Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,024 sqft · built 1955 |
| Lot Size | 0.161 acres (6,996 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $174,500 (Aug 2017) |
| Tax Bill | $4,984 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Aug 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-108-008 |
| Primary APN | 06-14-108-008 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,024 sqft Living Area |
| Gross Area | 2,048 sqft |
| 1st Floor Area | 1,024 sqft |
| Basement Area | 1,024 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Brick |
| Lot Area | 6,996 sqft (0.161 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Heating System | Gas |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 307 N COMMONWEALTH AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-3415 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDWARD J OBEIRNES SUB LOT 9 BLOCK 3 |
| Legal Subdivision | EDWARD J OBEIRNES SUB |
| Legal Block | 3 |
| Legal Lot Number | 9 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 851102 |
Source: Kane County records, as of July 23, 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 | 307 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 1, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Aug 1, 2019 | Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK |
| Aug 8, 2017 | Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2017 · Amount on Record |
| Deed Sale | Aug 8, 2017 · Amount on Record |
| Prior Sale | Apr 29, 2009 · Amount on Record |
| Deed Document Number | 201741199 |
| Prior Transfer Date | Dec 24, 2009 |
| Prior Transfer Doc | 0000001003 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 307 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Document Number | 0000038715 |
| Instrument Date | Aug 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 307 N COMMONWEALTH AVE ELGIN IL 601233415, ELGIN, IL 60123-3415 |
| Document Number | 0000038715 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | 38715 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 25, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 307 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Document Number | 0000043717 |
| Instrument Date | Aug 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 307 N COMMONWEALTH AVE ELGIN IL 601233415, ELGIN, IL 60123-3415 |
| Document Number | 0000043717 |
|---|---|
| Date | Sep 19, 2019 |
| Instrument | 43717 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 18, 2049 |
| Rate | 4.37% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 8, 2017 |
| Property Address | 307 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Document Number | 0000041199 |
| Instrument Date | Jul 25, 2017 |
| Instrument | 2017K041199 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | ATTORNEYS TITLE GUARANTY FUN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $174.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 307 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Document Number | 0000041200 |
|---|---|
| Date | Aug 8, 2017 |
| Instrument | 2017K041200 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,984.00 (+15.8%) Homeowner's exemption | $73,332 (+8.57%) Land $22,375 Building $50,957 | $220,084 (+8.57%) Land $67,152 Building $152,932 |
| 2024 | $67,544 (+21.39%) Land $20,609 Building $46,935 | $202,713 (+21.44%) Land $61,852 Building $140,861 | |
| 2022 | $4,304.00 (+4.85%) Homeowner's exemption | $55,640 (+6.96%) Land $16,977 Building $38,663 | $166,920 (+6.96%) Land $50,931 Building $115,989 |
| 2021 | $4,105.00 Homeowner's exemption | $52,019 Land $15,872 Building $36,147 | $156,057 Land $47,616 Building $108,441 |
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.
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 Claims | 1 (1982) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1982 · rainfall accumulation |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 574 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 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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