356 Center St, Elgin, IL 60120 Property Records

Kane County property record for 356 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,525 sqft · built 1890
Lot Size	0.91 acres (3,968 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Mar 2019)
Tax Bill	$4,836 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-101-014`

Property Details

APN / Parcel Number

Primary APN	`06-13-101-014`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,525 sqft Living Area
Gross Area	2,378 sqft
Basement Area	853 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Construction Type	Frame
Lot Area	3,968 sqft (0.91 acres)

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	356 CENTER ST
City	ELGIN
State	IL
Zip	60120-4164
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	B KELSEYS SUB OF LOT 2 BLOCK 13 P J KIMBALL JRS 3RD ADDN EAST 64 FT LOT 4
Legal Subdivision	P J KIMBALL JRS 3RD ADDN
Legal Block	13
Legal Lot Number	2,4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2019
Census Tract	851302

Owner

356 Center St is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	356 CENTER ST, ELGIN, IL 60120-4164
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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	Mar 29, 2019 · Amount on File
Deed Sale	Mar 29, 2019 · Amount on File
Prior Sale	Aug 7, 2014 · Amount on File
Deed Document Number	201912227
Prior Transfer Date	Dec 4, 2000
Prior Transfer Doc	0000004598
Record Updated	Oct 29, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 29, 2019
Property Address	356 CENTER ST, ELGIN, IL 60120-4164
Document Number	0000012227
Instrument Date	Mar 27, 2019
Instrument	12227
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	356 CENTER ST ELGIN IL 601204164, ELGIN, IL 60120-4164

Mortgage

Document Number	12229
Date	Mar 29, 2019
Instrument	12229

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 356 Center St was $4,836 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	$4,836.00 Homeowner's exemption	$71,395 (+8.57%) Land $9,251 Building $62,144	$214,271 (+8.57%) Land $27,764 Building $186,507
2024		$65,760 Land $8,521 Building $57,239	$197,359 Land $25,573 Building $171,786
2022	$4,176.00 (+4.85%) Homeowner's exemption	$54,170 (+6.96%) Land $7,019 Building $47,151	$162,510 (+6.96%) Land $21,057 Building $141,453
2021	$3,983.00 Homeowner's exemption	$50,645 Land $6,562 Building $44,083	$151,935 Land $19,686 Building $132,249

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 356 Center St 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 356 Center St 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 504 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile, Verizon.

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