3097 Chalkstone Ave, Elgin, IL 60124 Property Records

Kane County property record for 3097 Chalkstone Ave, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,531 sqft · built 2006
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$516,500 (Aug 2026)
Tax Bill	$10,511 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-486-002`

Property Details

APN / Parcel Number

Primary APN	`06-18-486-002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,531 sqft Living Area
Gross Area	3,503 sqft
Basement Area	972 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3097 CHALKSTONE AVE
City	ELGIN
State	IL
Zip	60124-8939
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE UNIT 2A LT 374
Legal Subdivision	PROVIDENCE
Legal Block	1
Legal Lot Number	374
Legal Unit	2A
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1009
Census Tract	851911

Owner

3097 Chalkstone Ave is owned by an individual who bought it in August 2026.

Source: Kane County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	4235 COLTON CIR, NAPERVILLE, IL 60564-6155
Owner Type	Individual
Vesting	Single Woman

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
Aug 17, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE NATIONAL BANK & TRUST CO
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 25, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage CORNERSTONE NATIONAL BANK
Apr 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2026 · Amount on File
Deed Sale	Aug 17, 2026 · Amount on File
Prior Sale	Feb 26, 2010 · Amount on File
Deed Document Number	202635293
Prior Transfer Date	Jun 12, 2025
Prior Transfer Doc	0000046852
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 17, 2026
Property Address	3097 CHALKSTONE AVE, ELGIN, IL 60124-8939
Document Number	0000035293
Instrument Date	Jul 30, 2026
Instrument	202635293
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$78,249.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4235 COLTON CIR, NAPERVILLE, IL 60564-6155

Mortgage

Document Number	0000035294,
Date	Aug 17, 2026
Instrument	202635294

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3097 CHALKSTONE AVE, ELGIN, IL 60124-8939
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	SUBURBAN LAND TITLE, SUBURBAN NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3097 CHAIKSTONE AVE, ELGIN, IL 60124-8939

Mortgage

Document Number	0000000387
Date	Jan 5, 2026
Instrument	2026K000387

Lender

Name	CORNERSTONE NATIONAL BANK & TRUST CO
Type	Bank
Address	BARRINGTON, IL 60010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.62%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3097 CHALKSTONE AVE, ELGIN, IL 60124-8939
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000088415
Date	Nov 24, 2021
Instrument	2021K088415

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Nov 25, 2025
Property Address	3097 CHALKSTONE AVE, ELGIN, IL 60124-8939
Document Number	0000046852
Instrument Date	Nov 12, 2025
Instrument	2025K046852
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3097 CHALKSTONE AVE, ELGIN, IL 60124-8939

Mortgage

Document Number	0000046853
Date	Nov 25, 2025
Instrument	2025K046853

Lender

Name	CORNERSTONE NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.62%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3097 CHALKSTONE AVE, ELGIN, IL 60124-8939
Document Number	0000020301
Instrument Date	Apr 4, 2017
Transaction Type	Mortgage
Record Updated	May 23, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3097 CHALKSTONE AVE ELGIN IL 601248939, ELGIN, IL 60124-8939

Mortgage

Document Number	0000020301
Date	Apr 24, 2017
Instrument	20301

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 23, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 3097 Chalkstone Ave was $10,511, down 2.7% from the year before.

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	$10,511.00 (-2.68%)	$142,218 (+8.57%) Land $43,240 Building $98,978	$426,825 (+8.57%) Land $129,772 Building $297,053
2024	$10,800.00 Homeowner's exemption	$130,992 Land $39,827 Building $91,165	$393,133 Land $119,529 Building $273,604
2022	$9,763.00 (+3.44%) Homeowner's exemption	$107,907 (+6.96%) Land $32,808 Building $75,099	$323,721 (+6.96%) Land $98,424 Building $225,297
2021	$9,438.00 Homeowner's exemption	$100,885 Land $30,673 Building $70,212	$302,655 Land $92,019 Building $210,636

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 3097 Chalkstone Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3097 Chalkstone 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 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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