Kane County property record for 321 S Commonwealth Ave, Elgin, IL 60123 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1900 |
| Square Footage | 1,372 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $112,500 (2013) |
| Tax Bill | $5,993.00 (2025) |
| Primary APN | 06-23-104-004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,372 sqft Living Area |
| Gross Area | 2,058 sqft Gross Area |
| Basement Area | 686 sqft Basement |
| Stories | 2 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame Construction |
| Lot Area | 8,712 sqft (0.2 acres) |
| Depth X Width | 132 ft x 66 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Water Source | Commercial Water Source |
| Street Address | 321 S COMMONWEALTH AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7321 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HUNTER & GIVENS ADDN LOT 8 BLOCK 2 |
| Legal Subdivision | HUNTER&GIVENS ADDN |
| Legal Block | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 5 |
| Census Block | 5012 |
| Census Tract | 851600 |
Source: Kane County records · APN 06-23-104-004
Assessment roll updated December 26, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 321 S COMMONWEALTH AVE, ELGIN, IL 60123-7321 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 14, 2019 | Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK |
| Mar 14, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HUD-HOUSING/URBAN DEV |
| Mar 01, 2017 | Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage JP MORGAN CHASE BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 13, 2013 · Amount on Record |
| Deed Sale | Nov 13, 2013 · Amount on Record |
| Prior Sale | Jul 10, 2008 · Amount on Record |
| Deed Doc Number | 201380336 |
| Prior Transfer Date | Feb 25, 2013 |
| Prior Transfer Doc | 0000072306 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 321 S COMMONWEALTH AVE, ELGIN, IL 60123-7321 |
| Document Number | 0000000363 |
| Instrument Date | Dec 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 321 S COMMONWEALTH AVE ELGIN IL 601237321, ELGIN, IL 60123-7321 |
| Document Number | 0000000363 |
|---|---|
| Date | Jan 03, 2020 |
| Instrument | 363 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 02, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 321 S COMMONWEALTH AVE, ELGIN, IL 60123-7321 |
| Document Number | 0000016757 |
| Instrument Date | Mar 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 09, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 321 S COMMONWEALTH AVE ELGIN IL 601237321, ELGIN, IL 60123-7321 |
| Document Number | 0000016757 |
|---|---|
| Date | Apr 04, 2017 |
| Instrument | 16757 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 03, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 321 S COMMONWEALTH AVE, ELGIN, IL 60123-7321 |
| Document Number | 0000016775 |
| Instrument Date | Mar 01, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2017 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 321 S COMMONWEALTH AVE ELGIN IL 601237321, ELGIN, IL 60123-7321 |
| Document Number | 0000016775 |
|---|---|
| Date | Apr 04, 2017 |
| Instrument | 16775 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71203 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 03, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,993.00 (+15.83%) Homeowner's exemption | ||
| 2024 | $79,723 (+21.39%) Land $17,499 Building $62,224 | $239,265 (+21.44%) Land $52,518 Building $186,747 | |
| 2022 | $5,174.00 (+4.69%) Homeowner's exemption | $65,673 (+6.96%) Land $14,415 Building $51,258 | $197,019 (+6.96%) Land $43,245 Building $153,774 |
| 2021 | $4,942.00 Homeowner's exemption | $61,400 Land $13,477 Building $47,923 | $184,200 Land $40,431 Building $143,769 |
321 S Commonwealth Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Kane County (17089C), updated October 8, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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