338 Watch St, Elgin, IL 60120 Property Records

Kane County property record for 338 Watch St, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,536 sqft · built 1900
Lot Size	0.6 acres (2,614 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Dec 2021)
Tax Bill	$4,198 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-382-022`

Property Details

APN / Parcel Number

Primary APN	`06-13-382-022`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,536 sqft Living Area
Gross Area	2,316 sqft
Basement Area	780 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	2,614 sqft (0.6 acres)
Lot Width	40 ft Width

Location & Zoning

Street Address	338 WATCH ST
City	ELGIN
State	IL
Zip	60120-7878
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERMANS ADDN PART OF LOT 8 BLOCK 6 DESC IN DOC 1451076
Legal Subdivision	SHERMANS ADDN
Legal Block	6
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2011
Census Tract	851301

Owner

Source: Kane County records · APN 06-13-382-022

Assessment roll updated August 25, 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	2 Individual Names on File
Mailing Address	338 WATCH ST, ELGIN, IL 60120-7878
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 21, 2021 · Amount on Record
Deed Sale	Dec 21, 2021 · Amount on Record
Deed Document Number	202194497
Prior Transfer Date	Nov 07, 2014
Prior Transfer Doc	0000057615
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 21, 2021
Property Address	338 WATCH ST, ELGIN, IL 60120-7878
Document Number	0000094497
Instrument Date	Dec 03, 2021
Instrument	2021K094497
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
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	338 WATCH ST, ELGIN, IL 60120-7878

Mortgage

Document Number	0000094498
Date	Dec 21, 2021
Instrument	2021K094498

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Interest

Rate	2.87%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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	$4,198.00 (+15.77%) Homeowner's exemption
2024		$58,057 (+21.39%) Land $7,071 Building $50,986	$174,241 (+21.44%) Land $21,221 Building $153,019
2022	$3,626.00 (-9.1%) Homeowner's exemption	$47,826 (+6.96%) Land $5,825 Building $42,001	$143,478 (+6.96%) Land $17,475 Building $126,003
2021	$3,989.00	$44,714 Land $5,446 Building $39,268	$134,142 Land $16,338 Building $117,804

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 515 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20

May also be available at this address: AT&T, Opiquad, T-Mobile USA, Radiate Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.