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314 N Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 314 N Commonwealth Ave, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,852 sqft · built 1928
Lot Size0.2 acres (8,712 sqft)
Owner2 Individual Names on Record
Last Sale$171,500 (Aug 2000)
Tax Bill$7,605 (2025)
Deeds & MortgagesOct 2017 Mortgage
Mar 2017 Transfer
Flood ZoneZone X (minimal risk)
APN06-14-107-014

Property Details

APN / Parcel Number

Primary APN06-14-107-014

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,852 sqft Living Area
Gross Area2,808 sqft
Basement Area956 sqft

Exterior

Year BuiltBuilt 1928
Effective Year BuiltEffective 1928
Construction TypeFrame
Lot Area8,712 sqft (0.2 acres)
Garage TypeDetached
Parking Spaces1 Parking Space

Location & Zoning

Street Address314 N COMMONWEALTH AVE
CityELGIN
StateIL
Zip60123-3416
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGEORGE E LINKFIELDS ADDN LOT 6 BLOCK 2
Legal SubdivisionGEORGE E LINKFIELDS ADDN
Legal Block2
Legal Lot Number6
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3015
Census Tract851102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address314 N COMMONWEALTH AVE, ELGIN, IL 60123-3416
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Oct 4, 2017Deed of Trust, Mortgage · Conventional Mortgage
CALIBER HM LOANS
Mar 24, 2017Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 29, 2000 · Amount on Record
Deed SaleAug 29, 2000 · Amount on Record
Prior SaleJun 6, 2000 · Amount on Record
Deed Document Number200068756
Last Transfer DateFeb 17, 2016
Transfer Doc0000015078
Record UpdatedOct 29, 2026

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address314 N COMMONWEALTH AVE, ELGIN, IL 60123-3416
Document Number0000053765
Instrument DateOct 4, 2017
Transaction TypeMortgage
Record UpdatedNov 16, 2017
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address314 N COMMONWEALTH AVE ELGIN IL 601233416, ELGIN, IL 60123-3416

Mortgage

Document Number0000053765
DateOct 12, 2017
Instrument53765
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressIRVING, TX 75063
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueOct 11, 2027

March 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateMar 24, 2017
Property Address314 N COMMONWEALTH AVE, ELGIN, IL 60123-3416
Document Number0000015078
Instrument DateFeb 17, 2016
Instrument15078
Transaction TypeTransfer
Record UpdatedMay 3, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address314 N COMMONWEALTH AVE ELGIN IL 601233416, ELGIN, IL 60123-3416

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 DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,605.00 (+15.86%) Homeowner's exemption$107,685 (+8.57%) Land $25,869 Building $81,816$323,184 (+8.57%) Land $77,638 Building $245,546
2024$99,185 (+21.39%) Land $23,827 Building $75,358$297,674 (+21.44%) Land $71,510 Building $226,164
2022$6,564.00 (+4.54%) Homeowner's exemption$81,705 (+6.96%) Land $19,628 Building $62,077$245,115 (+6.96%) Land $58,884 Building $186,231
2021$6,279.00 Homeowner's exemption$76,389 Land $18,351 Building $58,038$229,167 Land $55,053 Building $174,114

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 Claims1 (1982)
Claims Outside the SFHA1 of 1
Most Recent ClaimFeb 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.

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 574 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
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

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