346 Congdon Ave, Elgin, IL 60120 Property Records

Kane County property record for 346 Congdon Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,275 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Jan 2022)
Tax Bill	$6,997 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-103-009`

Property Details

APN / Parcel Number

Primary APN	`06-12-103-009`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,275 sqft Living Area
Gross Area	2,214 sqft
Basement Area	939 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	346 CONGDON AVE
City	ELGIN
State	IL
Zip	60120-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH PARK ADDN EAST 66 FT WEST 412.5 FT SOUTH 143 FT LOT D
Legal Subdivision	NORTH PARK ADDN
Legal Block	6
Legal Lot Number	D
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	6
Census Block	6012
Census Tract	850800

Owner

346 Congdon Ave is owned by two individuals who bought it in January 2022.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7754 N SHERIDAN RD, 3, CHICAGO, IL 60626-1384
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2022 · Amount on File
Deed Sale	Jan 13, 2022 · Amount on File
Deed Document Number	20222648
Prior Transfer Date	Nov 4, 2001
Prior Transfer Doc	0000011167
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 13, 2022
Property Address	346 CONGDON AVE, ELGIN, IL 60120-2402
Document Number	0000002648
Instrument Date	Jan 6, 2022
Instrument	2022K002648
Transaction Type	Transfer
Record Updated	Jan 19, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
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	25480 N TIMBER CT, BARRINGTON, IL 60010-1404

Mortgage

Document Number	0000002649
Date	Jan 13, 2022
Instrument	2022K002649

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 346 Congdon Ave was $6,997.

Source: Kane County assessment roll, as of July 23, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,997.00	$91,726 (+8.57%) Land $22,697 Building $69,029	$275,288 (+8.57%) Land $68,118 Building $207,170
2024		$84,485 Land $20,905 Building $63,580	$253,556 Land $62,740 Building $190,816
2022	$5,514.00 (+4.65%) Homeowner's exemption	$69,596 (+6.96%) Land $17,221 Building $52,375	$208,788 (+6.96%) Land $51,663 Building $157,125
2021	$5,269.00 Homeowner's exemption	$65,067 Land $16,100 Building $48,967	$195,201 Land $48,300 Building $146,901

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

FEMA maps place 346 Congdon Ave in Zone X, an area of minimal flood risk.

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 Policies	1 in force

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

Wildfire risk around 346 Congdon Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 305 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

May also be available: AT&T, T-Mobile, Verizon.

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