Kane County property record for 321 N Commonwealth Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,371 sqft · built 1946 |
| Lot Size | 0.161 acres (6,996 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $161,500 (Sep 2015) |
| Tax Bill | $7,276 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-108-005 |
| Primary APN | 06-14-108-005 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 5 Stories |
| Building Area | 1,371 sqft Living Area |
| Gross Area | 2,317 sqft |
| Basement Area | 946 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Exterior Material | Brick |
| Lot Area | 6,996 sqft (0.161 acres) |
| Lot Dimensions | 132 ft deep x 53 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 321 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 6 BLOCK 3 |
| Legal Subdivision | EDWARD J OBEIRNES SUB |
| Legal Block | 3 |
| Legal Lot Number | 6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 851102 |
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 | 321 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2015 · Amount on Record |
| Deed Sale | Sep 8, 2015 · Amount on Record |
| Prior Sale | Jan 2, 2015 · Amount on Record |
| Deed Document Number | 201549119 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 321 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 321 N COMMONWEALTH AVE, ELGIN, IL 60123-3415 |
| Document Number | 0000002333 |
|---|---|
| Date | Jan 16, 2026 |
| Instrument | 2026K002333 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | HOPKINS, MN 55343 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 18, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.2% |
| Change Frequency | Monthly |
Source: Kane County assessment roll, as of December 26, 2025
| 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 | $7,276.00 (+15.86%) Homeowner's exemption | ||
| 2024 | $95,215 (+21.39%) Land $20,609 Building $74,606 | $285,759 (+21.44%) Land $61,852 Building $223,908 | |
| 2022 | $6,280.00 (+4.54%) Homeowner's exemption | $78,435 (+6.96%) Land $16,977 Building $61,458 | $235,305 (+6.96%) Land $50,931 Building $184,374 |
| 2021 | $6,007.00 Homeowner's exemption | $73,331 Land $15,872 Building $57,459 | $219,993 Land $47,616 Building $172,377 |
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.
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.
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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