321 Hubbard Ave, Elgin, IL 60123 Property Records

Kane County property record for 321 Hubbard Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,465 sqft · built 1950
Lot Size	0.218 acres (9,504 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,216 (2025)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-15-234-005`

Property Details

APN / Parcel Number

Primary APN	`06-15-234-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,465 sqft Living Area
Gross Area	2,306 sqft
Basement Area	841 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	9,504 sqft (0.218 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	321 HUBBARD AVE
City	ELGIN
State	IL
Zip	60123-3431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GEORGE E LINKFIELDS ADDN SOUTH 6 FT OF LOT 13 & ALL OF LOT 12 BLOCK 5
Legal Subdivision	GEORGE E LINKFIELDS ADDN
Legal Block	5
Legal Lot Number	13,12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3020
Census Tract	851102

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 Individual Names on Record
Mailing Address	321 HUBBARD AVE, ELGIN, IL 60123-3431
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 11, 2008
Transfer Doc	0000073044
Record Updated	Sep 20, 2026

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jul 24, 2017
Property Address	321 HUBBARD AVE, ELGIN, IL 60123-3431
Document Number	0000037993
Instrument Date	Jul 5, 2017
Instrument	2017K037993
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	321 HUBBARD AVE, ELGIN, IL 60123-3431

Mortgage

Document Number	0000037994
Date	Jul 24, 2017
Instrument	2017K037994

Lender

Name	PERL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2042

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	$6,216.00 (+15.84%) Homeowner's exemption	$89,481 (+8.57%) Land $26,518 Building $62,963	$268,550 (+8.57%) Land $79,586 Building $188,965
2024		$82,418 (+21.4%) Land $24,425 Building $57,993	$247,353 (+21.44%) Land $73,304 Building $174,049
2022	$5,366.00 (+4.66%) Homeowner's exemption	$67,892 (+6.96%) Land $20,120 Building $47,772	$203,676 (+6.96%) Land $60,360 Building $143,316
2021	$5,127.00 Homeowner's exemption	$63,474 Land $18,811 Building $44,663	$190,422 Land $56,433 Building $133,989

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