3095 Chalkstone Ave, Elgin, IL 60124 Property Records

Kane County property record for 3095 Chalkstone Ave, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,718 sqft · built 2006
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$393,500 (Jan 2007)
Tax Bill	$10,568 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-18-486-003`

Property Details

APN / Parcel Number

Primary APN	`06-18-486-003`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,718 sqft Living Area
Gross Area	4,024 sqft
Basement Area	1,306 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	3095 CHALKSTONE AVE
City	ELGIN
State	IL
Zip	60124-8939
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE UNIT 2A LT 375
Legal Subdivision	PROVIDENCE
Legal Block	1
Legal Lot Number	375
Legal Unit	2A
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1009
Census Tract	851911

Owner

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	2 Individual Names on Record
Mailing Address	3095 CHALKSTONE AVE, ELGIN, IL 60124-8939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Mar 14, 2017	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2007 · Amount on Record
Deed Sale	Jan 17, 2007 · Amount on Record
Deed Document Number	20077565
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3095 CHALKSTONE AVE, ELGIN, IL 60124-8939
Document Number	0000052364
Instrument Date	Oct 18, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3095 CHALKSTONE AVE ELGIN IL 601248939, ELGIN, IL 60124-8939

Mortgage

Document Number	0000052364
Date	Oct 26, 2018
Instrument	52364

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2048

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3095 CHALKSTONE AVE, ELGIN, IL 60124-8939
Document Number	0000014382
Instrument Date	Mar 14, 2017
Transaction Type	Mortgage
Record Updated	May 5, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3095 CHALKSTONE AVE ELGIN IL 601248939, ELGIN, IL 60124-8939

Mortgage

Document Number	0000014382
Date	Mar 22, 2017
Instrument	14382

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Mar 21, 2032

Interest

Rate	3.5%

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,568.00 (+7.66%) Homeowner's exemption	$142,947 (+8.57%) Land $43,240 Building $99,707	$429,013 (+8.57%) Land $129,772 Building $299,241
2024		$131,664 (+21.39%) Land $39,827 Building $91,837	$395,150 (+21.44%) Land $119,529 Building $275,621
2022	$9,816.00 (+3.45%) Homeowner's exemption	$108,460 (+6.96%) Land $32,808 Building $75,652	$325,380 (+6.96%) Land $98,424 Building $226,956
2021	$9,489.00 Homeowner's exemption	$101,402 Land $30,673 Building $70,729	$304,206 Land $92,019 Building $212,187

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	Low lower than 98% of the US · lower than 86% 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 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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