321 River Bluff Rd, Elgin, IL 60120 Property Records

Kane County property record for 321 River Bluff Rd, Elgin, IL 60120 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 1940
Square Footage	2,739 sqft Living Area
Lot Size	20,038 sqft (0.46 acres)
Occupancy	Owner Occupied
Last Sale	$357,000 (2019)
Tax Bill	$13,990.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-12-103-002`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Partial Baths	2 Partial Baths
Total Rooms	6 Rooms
Building Area	2,739 sqft Living Area
Gross Area	4,036 sqft Gross Area
Basement Area	1,297 sqft Basement
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Tudor Style
Exterior Material	Brick Exterior
Lot Area	20,038 sqft (0.46 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage

Utilities and HVAC

Cooling System	HVAC Cooling
Water Source	Commercial Water Source

Location & Zoning

Street Address	321 RIVER BLUFF RD
City	ELGIN
State	IL
Zip	60120-2421
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	NORTH PARK ADDN EAST 148.9 FT WEST 287.5 FT NORTH 132 FT SOUTH 264 FT D
Legal Subdivision	NORTH PARK ADDN
Legal Block	6
Legal Lot Number	D
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	6
Census Block	6012
Census Tract	850800

Owner

Source: Kane County records · APN 06-12-103-002

Assessment roll updated July 23, 2026 · Last verified August 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 File
Mailing Address	321 RIVER BLUFF RD, ELGIN, IL 60120-2421
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Aug 03, 2022	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP
Mar 07, 2019	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage MORTGAGE SVCS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 07, 2019 · Amount on Record
Deed Sale	Mar 07, 2019 · Amount on Record
Prior Sale	Aug 19, 2005 · Amount on Record
Deed Doc Number	20198901
Record Refreshed	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	321 RIVER BLUFF RD, ELGIN, IL 60120-2421
Transaction Type	Mortgage
Record Updated	Aug 09, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 RIVER BLUFF RD, ELGIN, IL 60120-2421

Mortgage

Document Number	0000039475
Date	Aug 03, 2022
Instrument	2022K039475

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jun 01, 2052

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 07, 2019
Property Address	321 RIVER BLUFF RD, ELGIN, IL 60120-2421
Document Number	0000008901
Instrument Date	Feb 23, 2019
Instrument	8901
Transaction Type	Transfer
Record Updated	Mar 18, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$535.50
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	321 RIVER BLUFF RD ELGIN IL 601202421, ELGIN, IL 60120-2421

Mortgage

Document Number	8902
Date	Mar 07, 2019
Instrument	8902

Lender

Name	MORTGAGE SVCS
Type	Mortgage Company
Address	BLOOMINGTON, IL 61704

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 06, 2049

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,990.00 (+3.89%) Homeowner's exemption	$191,384 (+8.57%) Land $36,849 Building $154,535	$574,382 (+8.57%) Land $110,591 Building $463,791
2024	$13,466.00 (+11.56%)	$176,277 (+21.39%) Land $33,940 Building $142,337	$529,043 (+21.44%) Land $101,861 Building $427,182
2022	$12,071.00 (+4.28%) Homeowner's exemption	$145,211 (+6.96%) Land $27,958 Building $117,253	$435,633 (+6.96%) Land $83,874 Building $351,759
2021	$11,576.00 Homeowner's exemption	$135,762 Land $26,139 Building $109,623	$407,286 Land $78,417 Building $328,869

321 River Bluff Rd, Elgin, IL 60120 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

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