3121 Chalkstone Ave, Elgin, IL 60124 Property Records

Kane County property record for 3121 Chalkstone Ave, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,905 sqft · built 2006
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Aug 2018)
Tax Bill	$11,442 (2025)
Deeds & Mortgages	May 2024 Mortgage Jul 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-19-225-007`

Property Details

APN / Parcel Number

Primary APN	`06-19-225-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,905 sqft Living Area
Gross Area	4,495 sqft
Basement Area	1,590 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	3121 CHALKSTONE AVE
City	ELGIN
State	IL
Zip	60124-8946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE UNIT 2A LT 294
Legal Subdivision	PROVIDENCE
Legal Block	1
Legal Lot Number	294
Legal Unit	2A
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1012
Census Tract	851911

Owner

3121 Chalkstone Ave is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3121 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
May 8, 2024	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jul 1, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
May 30, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
May 2, 2019	Deed of Trust, Mortgage · Line of Credit NEIGHBORHOOD LOANS
Aug 29, 2018	Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2018 · Amount on File
Deed Sale	Aug 29, 2018 · Amount on File
Prior Sale	Feb 17, 2011 · Amount on File
Deed Document Number	201842501
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3121 CHALKSTONE AVE, ELGIN, IL 60124-8946
Transaction Type	Mortgage
Record Updated	May 15, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 CHALKSTONE AVE, ELGIN, IL 60124-8946

Mortgage

Document Number	0000015270
Date	May 8, 2024
Instrument	2024K015270

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Apr 1, 2064

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3121 CHALKSTONE AVE, ELGIN, IL 60124-8946
Transaction Type	Mortgage
Record Updated	Jul 8, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 CHALKSTONE AVE, ELGIN, IL 60124-8946

Mortgage

Document Number	0000034175
Date	Jul 1, 2022
Instrument	2022K034175

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	May 1, 2052

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3121 CHALKSTONE AVE, ELGIN, IL 60124-8946
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027124
Date	May 30, 2017
Instrument	2017K027124

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3121 CHALKSTONE AVE, ELGIN, IL 60124-8946
Document Number	0000018661
Instrument Date	May 2, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2019
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PTRS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 CHALKSTONE AVE ELGIN IL 601248946, ELGIN, IL 60124-8946

Mortgage

Document Number	0000018661
Date	May 10, 2019
Instrument	18661

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 9, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 29, 2018
Property Address	3121 CHALKSTONE AVE, ELGIN, IL 60124-8946
Document Number	0000042501
Instrument Date	Aug 6, 2018
Instrument	42501
Transaction Type	Transfer
Record Updated	Sep 11, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 CHALKSTONE AVE ELGIN IL 601248946, ELGIN, IL 60124-8946

Mortgage

Document Number	42502
Date	Aug 29, 2018
Instrument	42502

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2048

Interest

Rate Type	Fixed Rate
Rate	5.12%

Tax Assessment & Valuation

The 2025 property tax bill for 3121 Chalkstone Ave was $11,442 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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,442.00 Homeowner's exemption	$154,113 (+8.57%) Land $43,240 Building $110,873	$462,524 (+8.57%) Land $129,772 Building $332,752
2024		$141,948 Land $39,827 Building $102,121	$426,014 Land $119,529 Building $306,486
2022	$10,627.00 (+3.41%) Homeowner's exemption	$116,932 (+6.96%) Land $32,808 Building $84,124	$350,796 (+6.96%) Land $98,424 Building $252,372
2021	$10,277.00 Homeowner's exemption	$109,323 Land $30,673 Building $78,650	$327,969 Land $92,019 Building $235,950

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 3121 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 3121 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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