351 Jefferson Ave, Elgin, IL 60120 Property Records

Kane County property record for 351 Jefferson Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 945 sqft · built 1932
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Jun 2023)
Tax Bill	$4,764 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Oct 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-12-377-001`

Property Details

APN / Parcel Number

Primary APN	`06-12-377-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	945 sqft Living Area
Gross Area	1,890 sqft
1st Floor Area	945 sqft
Basement Area	945 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Construction Type	Frame
Lot Area	9,000 sqft (0.207 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	351 JEFFERSON AVE
City	ELGIN
State	IL
Zip	60120-3846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	M MANNS SUB WEST 16 FT LOT 2 & ALL OF LOT 1 BLOCK A
Legal Subdivision	M MANNS SUB
Legal Block	A
Legal Lot Number	2,1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2002
Census Tract	851302

Owner

351 Jefferson Ave is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	351 JEFFERSON AVE, ELGIN, IL 60120-3846
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Jun 26, 2023	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Oct 17, 2022	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2023 · Amount on File
Deed Sale	Jun 26, 2023 · Amount on File
Prior Sale	May 4, 1999 · Amount on File
Deed Document Number	202320921
Prior Transfer Date	Oct 5, 2022
Prior Transfer Doc	0000050780
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 26, 2023
Property Address	351 JEFFERSON AVE, ELGIN, IL 60120-3846
Document Number	0000020921
Instrument Date	Jun 8, 2023
Instrument	2023K020921
Transaction Type	Transfer
Record Updated	Jul 10, 2023
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
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 in Severalty
Address	351 JEFFERSON AVE, ELGIN, IL 60120-3846

Mortgage

Document Number	0000020922
Date	Jun 26, 2023
Instrument	2023K020922

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 5, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 5, 2033
Change Frequency	Annually
Min Rate At Change	5.37%
Max Rate At Change	9.37%
Index	1-Year CMT
Max Rate	13.3%

Mortgage

Document Number	0000020923
Date	Jun 26, 2023
Instrument	2023K020923

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jul 5, 2033

Interest

Rate Type	Fixed Rate
Rate	7.87%

October 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	KANE IL
Recording Date	Oct 17, 2022
Property Address	351 JEFFERSON AVE, ELGIN, IL 60120-3846
Document Number	0000050780
Instrument Date	Oct 5, 2022
Instrument	2022K050780
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	351 JEFFERSON AVE, 351, ELGIN, IL 60120-3846

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 351 Jefferson Ave was $4,764 with a homeowner's exemption.

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	$4,764.00	$70,451 (+8.57%) Land $20,078 Building $50,373	$211,438 (+8.57%) Land $60,258 Building $151,179
2024		$64,890 Land $18,493 Building $46,397	$194,748 Land $55,501 Building $139,247
2022	$3,681.00 (+5.87%) Homeowner's exemption	$53,454 (+6.96%) Land $15,234 Building $38,220	$160,362 (+6.96%) Land $45,702 Building $114,660
2021	$3,477.00 Homeowner's exemption	$49,976 Land $14,243 Building $35,733	$149,928 Land $42,729 Building $107,199

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 351 Jefferson Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 351 Jefferson Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 592 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
AT&T DSL	100 / 20

May also be available: Verizon.

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