Kane County property record for 315 N Commonwealth Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,820 sqft · built 1933 |
| Lot Size | 0.161 acres (6,996 sqft) |
| Owner | Company Name on File |
| Last Sale | $355,000 (Oct 2025) |
| Tax Bill | $7,830 (2025) |
| Deeds & Mortgages | Jul 2026 Transfer Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-108-006 |
| Primary APN | 06-14-108-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 5 Stories |
| Building Area | 1,820 sqft Living Area |
| Gross Area | 3,045 sqft |
| Basement Area | 1,225 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 1933 |
| Exterior Material | Brick |
| Lot Area | 6,996 sqft (0.161 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 315 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 7 BLOCK 3 |
| Legal Subdivision | EDWARD J OBEIRNES SUB |
| Legal Block | 3 |
| Legal Lot Number | 7 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 851102 |
315 N Commonwealth Ave is owned by a company that acquired it in July 2026.
Source: Kane County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 39W380 ROMEO CIR, ELGIN, IL 60124-8103 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 30, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 17, 2025 | Deed, Transfer · Conventional Mortgage CIBM BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2025 · Amount on File |
| Deed Sale | Oct 17, 2025 · Amount on File |
| Prior Sale | Dec 29, 2004 · Amount on File |
| Deed Document Number | 202540785 |
| Last Transfer Date | Jul 27, 2026 |
| Transfer Doc | 0000032447 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 30, 2026 |
| Property Address | 315 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Document Number | 0000032447 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 202632447 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 39W380 ROMEO CIR, ELGIN, IL 60124-8103 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 17, 2025 |
| Property Address | 315 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Document Number | 0000040785 |
| Instrument Date | Oct 7, 2025 |
| Instrument | 2025K040785 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $355.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 315 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Document Number | 0000040786 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 2025K040786 |
| Name | CIBM BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate | 6.87% |
|---|
The 2025 property tax bill for 315 N Commonwealth Ave was $7,830, up 4.2% from the year before.
Source: Kane County assessment roll, as of July 23, 2026
| 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 | $7,830.00 (+4.19%) Homeowner's exemption | $110,638 (+8.57%) Land $22,375 Building $88,263 | $332,047 (+8.57%) Land $67,152 Building $264,895 |
| 2024 | $7,515.00 Homeowner's exemption | $101,905 Land $20,609 Building $81,296 | $305,837 Land $61,852 Building $243,986 |
| 2022 | $6,758.00 (-3.48%) Homeowner's exemption | $83,946 (+6.96%) Land $16,977 Building $66,969 | $251,838 (+6.96%) Land $50,931 Building $200,907 |
| 2021 | $7,002.00 | $78,483 Land $15,872 Building $62,611 | $235,449 Land $47,616 Building $187,833 |
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.
FEMA maps place 315 N Commonwealth Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.
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.
The area around 315 N Commonwealth 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.
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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