320 Center St, Elgin, IL 60120 Property Records

Kane County property record for 320 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 2,315 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Company Names on Record
Last Sale	$470,000 (Dec 2023)
Tax Bill	$12,441 (2025)
Deeds & Mortgages	Dec 2023 Sale Dec 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-103-006`

Property Details

APN / Parcel Number

Primary APN	`06-13-103-006`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,315 sqft Living Area
Gross Area	3,546 sqft
Basement Area	1,231 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	320 CENTER ST
City	ELGIN
State	IL
Zip	60120-4995
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADDN NORTH 1/2 LOTS 10 & 7 BLOCK 5
Legal Subdivision	P J KIMBALL JRS 3RD ADDN
Legal Block	5
Legal Lot Number	10,7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1001
Census Tract	854600

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 Record	2 Company Names on Record
Mailing Address	235 LAKE DR S, ALGONQUIN, IL 60102-1738
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Warranty Deed, Transfer HERITAGE TITLE COMPANY
Dec 17, 2021	Quit Claim Deed, Transfer Quitclaim
Oct 26, 2021	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 14, 2020	Special Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 11, 2019	Warranty Deed, Transfer ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Prior Sale	Oct 26, 2021 · Amount on Record
Deed Document Number	202342067
Prior Transfer Date	Dec 2, 2021
Prior Transfer Doc	0000093666
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 1, 2023
Property Address	320 CENTER ST, ELGIN, IL 60120-4995
Document Number	0000042067
Instrument Date	Nov 21, 2023
Instrument	2023K042067
Transaction Type	Transfer
Record Updated	Dec 8, 2023
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 LAKE DR S, ALGONQUIN, IL 60102-1738

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Dec 17, 2021
Property Address	320 CENTER ST, ELGIN, IL 60120-4995
Document Number	0000093666
Instrument Date	Dec 2, 2021
Instrument	2021K093666
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	608 DUNDEE AVE, 608, ELGIN, IL 60120-3821

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 DUNDEE AVE, ELGIN, IL 60120-3821

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 26, 2021
Property Address	320 CENTER ST, ELGIN, IL 60120-4995
Document Number	0000080696
Instrument Date	Sep 14, 2021
Instrument	2021K080696
Transaction Type	Transfer
Record Updated	Nov 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17N110 POWERS RD, 17N110, GILBERTS, IL 60136-9600

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	605 DUNDEE AVE, ELGIN, IL 60120-3820

Mortgage

Document Number	0000080697
Date	Oct 26, 2021
Instrument	2021K080697

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 14, 2020
Property Address	320 CENTER ST, ELGIN, IL 60120-4995
Document Number	0000002463
Instrument Date	Dec 31, 2019
Instrument	2020K002463
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CENTER ST 215-217-219 ANN ST, ELGIN, IL 60120
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002464
Date	Jan 14, 2020
Instrument	2020K002464

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 11, 2019
Property Address	320 CENTER ST, ELGIN, IL 60120-4995
Document Number	0000060087
Instrument Date	Nov 20, 2019
Instrument	60087
Transaction Type	Transfer
Record Updated	Dec 24, 2019
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Transaction

Amount	Amount Recorded
Tax	$339.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	748 BUTTERNUT LN ELGIN IL 601232586, ELGIN, IL 60123-2586

Tax Assessment & Valuation

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	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,441.00 (+15.96%)	$163,084 (+8.57%) Land $18,505 Building $144,579	$489,448 (+8.57%) Land $55,537 Building $433,911
2024		$150,211 (+21.39%) Land $17,044 Building $133,167	$450,813 (+21.44%) Land $51,152 Building $399,661
2022	$10,729.00 (+9.65%)	$123,738 (+6.96%) Land $14,040 Building $109,698	$371,214 (+6.96%) Land $42,120 Building $329,094
2021	$9,785.00 Homeowner's exemption	$115,686 Land $13,126 Building $102,560	$347,058 Land $39,378 Building $307,680

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

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

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 504 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile, Verizon.

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