3104 Chalkstone Ave, Elgin, IL 60124 Property Records

Kane County property record for 3104 Chalkstone Ave, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	9 bd · 2.5 ba · 2,946 sqft · built 2006
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$316,000 (Apr 2006)
Tax Bill	$11,366 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-485-007`

Property Details

APN / Parcel Number

Primary APN	`06-18-485-007`

Interior

Bedrooms	9 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,946 sqft Living Area
Gross Area	4,587 sqft
Basement Area	1,641 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	3104 CHALKSTONE AVE
City	ELGIN
State	IL
Zip	60124-8946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE UNIT 2A LT 274
Legal Subdivision	PROVIDENCE
Legal Block	1
Legal Lot Number	274
Legal Unit	2A
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1011
Census Tract	851911

Owner

3104 Chalkstone Ave is owned and occupied by two individuals who bought it in April 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	3104 CHALKSTONE AVE, ELGIN, IL 60124-8946
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
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage ASIA BANK NATIONAL ASSOCIATION
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Jun 8, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KANE COUNTY TEACHERS CU
Jun 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Aug 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2006 · Amount on File
Deed Sale	Apr 25, 2006 · Amount on File
Deed Document Number	200644160
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 13, 2026
Property Address	3104 CHALKSTONE AVE, ELGIN, IL 60124-8946
Document Number	0000014751
Instrument Date	Apr 7, 2026
Instrument	202614751
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 CHALKSTONE AVE, ELGIN, IL 60124-8946
Investor	Possibly a Property Investor

Mortgage

Document Number	0000014751,
Date	Apr 13, 2026
Instrument	202614751

Lender

Name	ASIA BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	8.04%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3104 CHALKSTONE AVE, ELGIN, IL 60124-8946
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	CT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060012
Date	Aug 6, 2021
Instrument	2021K060012

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate
Rate	3.37%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3104 CHALKSTONE AVE, ELGIN, IL 60124-8946
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030012
Date	Jun 8, 2022
Instrument	2022K030012

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 18, 2037

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3104 CHALKSTONE AVE, ELGIN, IL 60124-8946
Document Number	0000025587
Instrument Date	Jun 12, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3104 CHALKSTONE AVE ELGIN IL 601248946, ELGIN, IL 60124-8946

Mortgage

Document Number	0000025587
Date	Jun 19, 2019
Instrument	25587

Lender

Name	NEIGHBORHOOD LOANS
Type	Funding / Finance Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jun 18, 2044

Interest

Rate Type	Fixed Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3104 CHALKSTONE AVE, ELGIN, IL 60124-8946
Document Number	0000043642
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Sep 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3104 CHALKSTONE AVE ELGIN IL 601248946, ELGIN, IL 60124-8946

Mortgage

Document Number	0000043642
Date	Sep 6, 2018
Instrument	43642

Lender

Name	NEIGHBORHOOD LOANS
Type	Funding / Finance Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2048

Interest

Rate Type	Fixed Rate
Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 3104 Chalkstone Ave was $11,366 with a homeowner's exemption, 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	$11,366.00 (-2.71%) Homeowner's exemption	$153,903 (+8.57%) Land $43,240 Building $110,663	$461,894 (+8.57%) Land $129,772 Building $332,122
2024	$11,683.00	$141,755 Land $39,827 Building $101,928	$425,435 Land $119,529 Building $305,906
2022	$10,556.00 (+3.41%) Homeowner's exemption	$116,773 (+7.49%) Land $32,808 Building $83,965	$350,319 (+7.49%) Land $98,424 Building $251,895
2021	$10,208.00 Homeowner's exemption	$108,633 Land $30,673 Building $77,960	$325,899 Land $92,019 Building $233,880

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 3104 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

The area around 3104 Chalkstone Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 407 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
AT&T Fiber · DSL in parts of the area	1,000 / 1,000

May also be available: Verizon.

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