Kane County property record for 313 N Commonwealth Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,319 sqft · built 1946 |
| Lot Size | 0.161 acres (6,996 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $335,000 (May 2025) |
| Tax Bill | $7,225 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Mar 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-108-007 |
| Primary APN | 06-14-108-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 5 Stories |
| Building Area | 1,319 sqft Living Area |
| Gross Area | 2,094 sqft |
| Basement Area | 775 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Construction Type | Frame |
| Lot Area | 6,996 sqft (0.161 acres) |
| Lot Dimensions | 132 ft deep x 53 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|
| Street Address | 313 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 8 BLOCK 3 |
| Legal Subdivision | EDWARD J OBEIRNES SUB |
| Legal Block | 3 |
| Legal Lot Number | 8 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 851102 |
Source: Kane County records, as of July 21, 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 | 313 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 25, 2023 | Deed of Trust, Mortgage · Closed-End Mortgage TOYOTA FINANCIAL SAVINGS BANK |
| Mar 29, 2017 | Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA |
| Aug 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TOYOTA FINANCIAL SAVINGS BANK |
| Aug 5, 2019 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2025 · Amount on Record |
| Deed Sale | May 5, 2025 · Amount on Record |
| Prior Sale | Aug 5, 2019 · Amount on Record |
| Deed Document Number | 202516060 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 313 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 9N313 MUIRHEAD RD, ELGIN, IL 60124-8357 |
| Document Number | 0000016882 |
|---|---|
| Date | May 25, 2023 |
| Instrument | 2023K016882 |
| Name | TOYOTA FINANCIAL SAVINGS BANK |
|---|---|
| Type | Funding / Finance Company |
| Address | HENDERSON, NV 89074 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 313 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000015739 |
|---|---|
| Date | Mar 29, 2017 |
| Instrument | 2017K015739 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Mar 16, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Max Rate | 21% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 313 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000046158 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | 2020K046158 |
| Name | TOYOTA FINANCIAL SAVINGS BANK |
|---|---|
| Type | Funding / Finance Company |
| Address | HENDERSON, NV 89074 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 237 Months |
| Due | May 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 5, 2019 |
| Property Address | 313 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Document Number | 0000034549 |
| Instrument Date | Jul 30, 2019 |
| Instrument | 34549 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $367.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 518 CLORLS ST ELGIN IL 60123, ELGIN, IL 60123 |
| Document Number | 34550 |
|---|---|
| Date | Aug 5, 2019 |
| Instrument | 34550 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 4, 2049 |
| Rate Type | Fixed Rate |
|---|
Source: Kane County assessment roll, as of August 25, 2025
| 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 | $7,225.00 (+26.53%) | ||
| 2024 | $87,234 (+21.39%) Land $20,609 Building $66,625 | $261,807 (+21.44%) Land $61,852 Building $199,955 | |
| 2022 | $5,710.00 (+4.62%) Homeowner's exemption | $71,861 (+6.96%) Land $16,977 Building $54,884 | $215,583 (+6.96%) Land $50,931 Building $164,652 |
| 2021 | $5,458.00 Homeowner's exemption | $67,185 Land $15,872 Building $51,313 | $201,555 Land $47,616 Building $153,939 |
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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