Kane County property record for 338 N Commonwealth Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,254 sqft · built 1894 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Dec 2021) |
| Tax Bill | $6,707 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Sep 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-107-010 |
| Primary APN | 06-14-107-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,254 sqft Living Area |
| Gross Area | 1,971 sqft |
| Basement Area | 717 sqft |
| Year Built | Built 1894 |
|---|---|
| Effective Year Built | Effective 1894 |
| Architectural Style | Victorian |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Water Source | Commercial |
| Street Address | 338 N COMMONWEALTH AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-3416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GEORGE E LINKFIELDS ADDN LOT 2 BLOCK 2 |
| Legal Subdivision | GEORGE E LINKFIELDS ADDN |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 851102 |
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 | 338 N COMMONWEALTH AVE, ELGIN, IL 60123-3416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 21, 2024 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Sep 6, 2023 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Dec 30, 2021 | Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Dec 19, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CIBM BANK |
| Jul 8, 2019 | Warranty Deed, Transfer · FHA Mortgage PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2021 · Amount on Record |
| Deed Sale | Dec 30, 2021 · Amount on Record |
| Prior Sale | Jul 8, 2019 · Amount on Record |
| Deed Document Number | 202196476 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 338 N COMMONWEALTH AVE, ELGIN, IL 60123-3416 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000005490 |
|---|---|
| Date | Feb 21, 2024 |
| Instrument | 2024K005490 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 334 Months |
| Due | Dec 1, 2051 |
| Change Frequency | 6 Months |
|---|---|
| Index | FHLBNY's 5-Year Index |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 338 N COMMONWEALTH AVE, ELGIN, IL 60123-3416 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 338 N COMMONWEALTH AVE, ELGIN, IL 60123-3416 |
| Document Number | 0000030914 |
|---|---|
| Date | Sep 6, 2023 |
| Instrument | 2023K030914 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 30, 2021 |
| Property Address | 338 N COMMONWEALTH AVE, ELGIN, IL 60123-3416 |
| Document Number | 0000096476 |
| Instrument Date | Nov 16, 2021 |
| Instrument | 2021K096476 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 338 N COMMONWEALTH AVE, ELGIN, IL 60123-3416 |
| Investor | Possibly a Property Investor |
| Document Number | 0000096477 |
|---|---|
| Date | Dec 30, 2021 |
| Instrument | 2021K096477 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 338 N COMMONWEALTH AVE, ELGIN, IL 60123-3416 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000065794 |
|---|---|
| Date | Dec 19, 2017 |
| Instrument | 2017K065794 |
| Name | CIBM BANK |
|---|---|
| Type | Bank |
| Address | NAPERVILLE, IL 60563 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 8, 2019 |
| Property Address | 338 N COMMONWEALTH AVE, ELGIN, IL 60123-3416 |
| Document Number | 0000028821 |
| Instrument Date | Jun 17, 2019 |
| Instrument | 2019K028821 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 338 N COMMONWEALTH AVE, ELGIN, IL 60123-3416 |
| Document Number | 0000028822 |
|---|---|
| Date | Jul 8, 2019 |
| Instrument | 2019K028822 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Rate | 4% |
|---|
Source: Kane County assessment roll, as of July 23, 2026
| 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 | $6,707.00 (+15.84%) Homeowner's exemption | $95,916 (+8.57%) Land $25,869 Building $70,047 | $287,863 (+8.57%) Land $77,638 Building $210,225 |
| 2024 | $88,345 (+21.39%) Land $23,827 Building $64,518 | $265,141 (+21.44%) Land $71,510 Building $193,631 | |
| 2022 | $5,790.00 (+4.61%) Homeowner's exemption | $72,776 (+6.96%) Land $19,628 Building $53,148 | $218,328 (+6.96%) Land $58,884 Building $159,444 |
| 2021 | $5,535.00 Homeowner's exemption | $68,041 Land $18,351 Building $49,690 | $204,123 Land $55,053 Building $149,070 |
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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