354 Jefferson Ave, Elgin, IL 60120 Property Records

Kane County property record for 354 Jefferson Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,364 sqft · built 1940
Lot Size	0.162 acres (7,036 sqft)
Owner	2 Trust Names on File
Last Sale	$170,000 (Oct 2017)
Tax Bill	$5,706 (2025)
Deeds & Mortgages	Jul 2026 Sale Jan 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-332-011`

Property Details

APN / Parcel Number

Primary APN	`06-12-332-011`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,364 sqft Living Area
Gross Area	2,068 sqft
Basement Area	704 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Frame
Lot Area	7,036 sqft (0.162 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	354 JEFFERSON AVE
City	ELGIN
State	IL
Zip	60120-3845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BARRYS SUB LOT 11 BLOCK 2
Legal Subdivision	BARRYS SUB
Legal Block	2
Legal Lot Number	11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5017
Census Tract	850800

Owner

354 Jefferson Ave is owner-occupied and held in a trust since October 2017.

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

Owner of Record	2 Trust Names on File
Mailing Address	354 JEFFERSON AVE, ELGIN, IL 60120-3845
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jul 16, 2026	Warranty Deed, Transfer TITLE ESCROW, BLUEBIRD TITLE AND ESCROW
Jan 27, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 19, 2018	Deed of Trust, Mortgage · FHA Mortgage PLATINUM HOME MORTGAGE CORP
Dec 10, 2020	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Oct 27, 2017	Warranty Deed, Transfer · FHA Mortgage PLATINUM HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2017 · Amount on File
Deed Sale	Oct 27, 2017 · Amount on File
Prior Sale	Sep 20, 1996 · Amount on File
Deed Document Number	201756443
Prior Transfer Date	Oct 22, 2009
Prior Transfer Doc	0000079380
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 16, 2026
Property Address	354 JEFFERSON AVE, ELGIN, IL 60120-3845
Document Number	0000030178
Instrument Date	Jul 8, 2026
Instrument	202630178
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	TITLE ESCROW, BLUEBIRD TITLE AND ESCROW

Transaction

Amount	Amount on Record
Tax	$56,812.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 SUMMIT ST, ELGIN, IL 60120-4370

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jan 27, 2026
Property Address	354 JEFFERSON AVE, ELGIN, IL 60120-3845
Document Number	0000003696
Instrument Date	Nov 6, 2025
Instrument	2026K003696
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 JEFFERSON AVE, ELGIN, IL 60120-3845

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	354 JEFFERSON AVE, ELGIN, IL 60120-3845
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017975
Date	Apr 19, 2018
Instrument	2018K017975

Lender

Name	PLATINUM HOME MORTGAGE CORP
Type	Mortgage Company
Address	ROLLING MEADOWS, IL 60008

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	354 JEFFERSON AVE, ELGIN, IL 60120-3845
Document Number	0000006075
Instrument Date	Dec 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	354 JEFFERSON AVE ELGIN IL 601203845, ELGIN, IL 60120-3845

Mortgage

Document Number	0000006075
Date	Jan 25, 2021
Instrument	6075

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 27, 2017
Property Address	354 JEFFERSON AVE, ELGIN, IL 60120-3845
Document Number	0000056443
Instrument Date	Sep 29, 2017
Instrument	2017K056443
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1233 APPLE LN UNIT D, D, ELGIN, IL 60120-4838

Mortgage

Document Number	0000056444
Date	Oct 27, 2017
Instrument	2017K056444

Lender

Name	PLATINUM HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 354 Jefferson Ave was $5,706, up 4.4% from the year before.

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	$5,706.00 (+4.45%) Homeowner's exemption	$82,801 (+8.57%) Land $16,955 Building $65,846	$248,502 (+8.57%) Land $50,885 Building $197,617
2024	$5,463.00 Homeowner's exemption	$76,265 Land $15,617 Building $60,648	$228,887 Land $46,870 Building $182,017
2022	$4,927.00 (+4.72%) Homeowner's exemption	$62,825 (+6.96%) Land $12,865 Building $49,960	$188,475 (+6.96%) Land $38,595 Building $149,880
2021	$4,705.00 Homeowner's exemption	$58,737 Land $12,028 Building $46,709	$176,211 Land $36,084 Building $140,127

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 354 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 354 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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