323 S Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 323 S Commonwealth Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 2,145 sqft · built 1863
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jul 2021)
Tax Bill	$8,074 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-104-005`

Property Details

APN / Parcel Number

Primary APN	`06-23-104-005`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,145 sqft Living Area
Gross Area	3,300 sqft
Basement Area	1,155 sqft

Exterior

Year Built	Built 1863
Effective Year Built	Effective 1863
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	323 S COMMONWEALTH AVE
City	ELGIN
State	IL
Zip	60123-7321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HUNTER & GIVENS ADDN LOT 11 BLOCK 2
Legal Subdivision	HUNTER&GIVENS ADDN
Legal Block	2
Legal Lot Number	11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5012
Census Tract	851600

Owner

Source: Kane County assessment roll, as of August 25, 2025

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	323 S COMMONWEALTH AVE, ELGIN, IL 60123-7321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 1, 2021 · Amount on Record
Deed Sale	Jul 1, 2021 · Amount on Record
Prior Sale	Jan 19, 2016 · Amount on Record
Deed Document Number	202150818
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 1, 2021
Property Address	323 S COMMONWEALTH AVE, ELGIN, IL 60123-7321
Document Number	0000050818
Instrument Date	Jun 25, 2021
Instrument	2021K050818
Transaction Type	Transfer
Record Updated	Jul 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	323 S COMMONWEALTH AVE, ELGIN, IL 60123-7321

Mortgage

Document Number	0000050819
Date	Jul 1, 2021
Instrument	2021K050819

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$8,074.00 (+15.87%) Homeowner's exemption
2024		$104,848 (+21.39%) Land $17,499 Building $87,349	$314,670 (+21.44%) Land $52,518 Building $262,152
2022	$6,968.00 (+4.5%) Homeowner's exemption	$86,370 (+6.96%) Land $14,415 Building $71,955	$259,110 (+6.96%) Land $43,245 Building $215,865
2021	$6,668.00 Homeowner's exemption	$80,750 Land $13,477 Building $67,273	$242,250 Land $40,431 Building $201,819

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 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2008 · Severe Storms And Flooding

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

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 626 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20