321 Center St, Elgin, IL 60120 Property Records

Kane County property record for 321 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,416 sqft · built 1900
Lot Size	0.11 acres (4,784 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Nov 2018)
Tax Bill	$8,225 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-104-001`

Property Details

APN / Parcel Number

Primary APN	`06-13-104-001`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,416 sqft Living Area
Gross Area	3,636 sqft
Basement Area	1,220 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	4,784 sqft (0.11 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	321 CENTER ST
City	ELGIN
State	IL
Zip	60120-4142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADDN NORTH 52 FT COUNTY CLERKS SUB J & NORTH 52 FT WEST 26 FT COUNTY CLERKS SUB I LOT 1 BLOCK 4
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	1
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1000
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	Individual Name on Record
Mailing Address	3904 RUN OF THE OAKS ST, D, AUSTIN, TX 78704-7779
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Nov 28, 2018	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 28, 2018 · Amount on Record
Deed Sale	Nov 28, 2018 · Amount on Record
Prior Sale	Sep 10, 2014 · Amount on Record
Deed Document Number	201857285
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	321 CENTER ST, ELGIN, IL 60120-4142
Transaction Type	Mortgage
Record Updated	Apr 1, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016994
Date	Mar 28, 2022
Instrument	2022K016994

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Nov 28, 2018
Property Address	321 CENTER ST, ELGIN, IL 60120-4142
Document Number	0000057285
Instrument Date	Oct 23, 2018
Instrument	57285
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$292.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1168 S OAK PARK AVE #2W OAK PARK IL 603042071, 2W, OAK PARK, IL 60304-2071

Mortgage

Document Number	57286
Date	Nov 28, 2018
Instrument	57286

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2048

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	$8,225.00 (+25.78%)	$107,819 (+8.57%) Land $15,152 Building $92,667	$323,586 (+8.57%) Land $45,474 Building $278,112
2024		$99,308 (+31.68%) Land $13,956 Building $85,352	$298,043 (+31.74%) Land $41,885 Building $256,158
2022	$6,539.00 (+3.96%)	$75,414 (+6.96%) Land $11,496 Building $63,918	$226,242 (+6.96%) Land $34,488 Building $191,754
2021	$6,290.00	$70,507 Land $10,748 Building $59,759	$211,521 Land $32,244 Building $179,277

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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