Kane County property record for 361 S Commonwealth Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,367 sqft · built 1962 |
| Lot Size | 0.167 acres (7,260 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $420,000 (Jul 2026) |
| Tax Bill | $7,474 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Oct 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-107-003 |
| Primary APN | 06-23-107-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,367 sqft Living Area |
| Gross Area | 2,734 sqft |
| 1st Floor Area | 1,367 sqft |
| Basement Area | 1,367 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 7,260 sqft (0.167 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Water Source | Commercial |
| Street Address | 361 S COMMONWEALTH AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7357 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HUNTER & GIVENS ADDN NORTH 55 FT OF LOT 6 BLOCK 5 |
| Legal Subdivision | HUNTER&GIVENS ADDN |
| Legal Block | 5 |
| Legal Lot Number | 6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 5 |
| Census Block | 5013 |
| Census Tract | 851600 |
Source: Kane County records, as of July 23, 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 Record |
|---|---|
| Mailing Address | 2038 COLLEGE GREEN DR, ELGIN, IL 60123-5618 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Oct 10, 2025 | Deed of Trust, Mortgage · Line of Credit PRAIRIE COMMUNITY BANK |
| Aug 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC |
| Oct 7, 2020 | Warranty Deed, Transfer · Conventional Mortgage COMPASS MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2026 · Amount on Record |
| Deed Sale | Jul 14, 2026 · Amount on Record |
| Prior Sale | Oct 7, 2020 · Amount on Record |
| Deed Document Number | 202629812 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 14, 2026 |
| Property Address | 361 S COMMONWEALTH AVE, ELGIN, IL 60123-7357 |
| Document Number | 0000029812 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 202629812 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $63,630.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2038 COLLEGE GREEN DR, ELGIN, IL 60123-5618 |
| Document Number | 0000029813, |
|---|---|
| Date | Jul 14, 2026 |
| Instrument | 202629813 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.63% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 361 S COMMONWEALTH AVE, ELGIN, IL 60123-7357 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000039782 |
|---|---|
| Date | Oct 10, 2025 |
| Instrument | 2025K039782 |
| Name | PRAIRIE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | MARENGO, IL 60152 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 361 S COMMONWEALTH AVE, ELGIN, IL 60123-7357 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000041499 |
|---|---|
| Date | Aug 23, 2018 |
| Instrument | 2018K041499 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 7, 2020 |
| Property Address | 361 S COMMONWEALTH AVE, ELGIN, IL 60123-7357 |
| Document Number | 0000059274 |
| Instrument Date | Sep 22, 2020 |
| Instrument | 2020K059274 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | ATTORNEYS TITLE GUARANTY FUN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $236.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 361 S COMMONWEALTH AVE, ELGIN, IL 60123-7357 |
| Document Number | 0000059275 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 2020K059275 |
| Name | COMPASS MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,474.00 (+5.51%) Homeowner's exemption | $105,977 (+8.57%) Land $15,540 Building $90,437 | $318,058 (+8.57%) Land $46,639 Building $271,420 |
| 2024 | $7,084.00 (+11.14%) | $97,611 (+21.39%) Land $14,313 Building $83,298 | $292,950 (+21.44%) Land $42,956 Building $249,994 |
| 2022 | $6,374.00 (+4.54%) Homeowner's exemption | $80,409 (+6.96%) Land $11,791 Building $68,618 | $241,227 (+6.96%) Land $35,373 Building $205,854 |
| 2021 | $6,097.00 Homeowner's exemption | $75,177 Land $11,024 Building $64,153 | $225,531 Land $33,072 Building $192,459 |
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.
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 Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2008 · Severe Storms And Flooding |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 626 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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