320 N Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 320 N Commonwealth Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,935 sqft · built 1941
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Oct 2022)
Tax Bill	$8,468 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-107-013`

Property Details

APN / Parcel Number

Primary APN	`06-14-107-013`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	5 Stories
Building Area	1,935 sqft Living Area
Gross Area	3,366 sqft
Basement Area	1,431 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Brick
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	320 N COMMONWEALTH AVE
City	ELGIN
State	IL
Zip	60123-3416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GEORGE E LINKFIELDS ADDN LOT 5 BLOCK 2
Legal Subdivision	GEORGE E LINKFIELDS ADDN
Legal Block	2
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3015
Census Tract	851102

Owner

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	Individual Name on Record
Mailing Address	620 SOUTH ST, 2, ELGIN, IL 60123-6288
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	May 6, 1998 · Amount on Record
Deed Document Number	202252070
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 25, 2022
Property Address	320 N COMMONWEALTH AVE, ELGIN, IL 60123-3416
Document Number	0000052070
Instrument Date	Oct 7, 2022
Instrument	2022K052070
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	STOCK TITLE SERVICES LLC, STARCK TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 SOUTH ST APT 2, 2, ELGIN, IL 60123-6288

Mortgage

Document Number	0000052071
Date	Oct 25, 2022
Instrument	2022K052071

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	Other
Max Rate	10.8%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$8,468.00 (+15.86%) Homeowner's exemption
2024		$109,610 (+21.39%) Land $23,827 Building $85,783	$328,962 (+21.44%) Land $71,510 Building $257,452
2022	$7,309.00 (+4.47%) Homeowner's exemption	$90,293 (+6.96%) Land $19,628 Building $70,665	$270,879 (+6.96%) Land $58,884 Building $211,995
2021	$6,996.00 Homeowner's exemption	$84,418 Land $18,351 Building $66,067	$253,254 Land $55,053 Building $198,201

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 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.

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 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