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3139 Holden St, Elgin, IL 60124 Property Records

Kane County property record for 3139 Holden St, Elgin, IL 60124

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,969 sqft · built 2006
Lot Size0.28 acres (12,197 sqft)
Owner2 Individual Names on File
Last Sale$522,000 (Mar 2006)
Tax Bill$13,598 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Sep 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN06-19-430-005

Property Details

APN / Parcel Number

Primary APN06-19-430-005

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms10 Rooms
Stories2 Stories
Building Area3,969 sqft Living Area
Gross Area5,881 sqft
Basement Area1,912 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Construction TypeFrame
Lot Area12,197 sqft (0.28 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address3139 HOLDEN ST
CityELGIN
StateIL
Zip60124-4350
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPROVIDENCE UNIT 3A LT 555
Legal SubdivisionPROVIDENCE
Legal Block3
Legal Lot Number555
Legal Unit3A
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3022
Census Tract851913

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address3139 HOLDEN ST, ELGIN, IL 60124-4350
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Feb 9, 2021Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA NA
Sep 19, 2019Deed of Trust, Mortgage · Conventional with PMI
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 8, 2006 · Amount on File
Deed SaleMar 8, 2006 · Amount on File
Deed Document Number200624928
Record UpdatedSep 20, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address3139 HOLDEN ST, ELGIN, IL 60124-4350
Transaction TypeMortgage
Record UpdatedAug 5, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000010737
DateFeb 9, 2021
Instrument2021K010737
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueMar 1, 2036
Interest
Rate2.75%

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address3139 HOLDEN ST, ELGIN, IL 60124-4350
Document Number0000045699
Instrument DateSep 19, 2019
Transaction TypeMortgage
Record UpdatedOct 9, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3139 HOLDEN ST ELGIN IL 601244350, ELGIN, IL 60124-4350

Mortgage

Document Number0000045699
DateSep 30, 2019
Instrument45699
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional with PMI
AmountAmount on Record
Term180 Months
DueSep 29, 2034
Interest
Rate3.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictCentral Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$13,598.00 (+7.68%) Homeowner's exemption$181,635 (+8.57%) Land $44,049 Building $137,586$545,123 (+8.57%) Land $132,200 Building $412,923
2024$167,298 (+21.39%) Land $40,572 Building $126,726$502,095 (+21.44%) Land $121,765 Building $380,330
2022$12,628.00 (+3.35%) Homeowner's exemption$137,814 (+6.96%) Land $33,422 Building $104,392$413,442 (+6.96%) Land $100,266 Building $313,176
2021$12,219.00 Homeowner's exemption$128,846 Land $31,247 Building $97,599$386,538 Land $93,741 Building $292,797

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 299 locations within half a mile, as of December 31, 2025

ProviderMax 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
Verizon
Fixed Wireless		300 / 20

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