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374 S Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 374 S Commonwealth Ave, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Lot Size0.147 acres (6,420 sqft)
OwnerIndividual on Record
Last Sale$220,000 (Mar 2019)
Tax Bill$6,469 (2025)
Deeds & MortgagesMar 2019 Sale & Mortgage
Jul 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-23-103-031

Property Details

APN / Parcel Number

Primary APN06-23-103-031

Exterior

Lot Area6,420 sqft (0.147 acres)

Location & Zoning

Street Address374 S COMMONWEALTH AVE
CityELGIN
StateIL
Zip60123-7322
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOUNTY CLERKS SUB PT LOT L BLOCK 13 DESC IN DOC 2016K043041
Legal SubdivisionCOUNTY CLERKS SUB
Legal Block13
Legal Lot NumberL
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3013
Census Tract854900

Owner

Source: Kane County assessment roll, as of August 25, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual on Record
Mailing Address374 S COMMONWEALTH AVE, ELGIN, IL 60123-7322
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 13, 2019Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jul 28, 2017Warranty Deed, Transfer · FHA Mortgage
CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 13, 2019 · Amount on Record
Deed SaleMar 13, 2019 · Amount on Record
Prior SaleJul 28, 2017 · Amount on Record
Deed Document Number20199821
Record UpdatedSep 20, 2026

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateMar 13, 2019
Property Address374 S COMMONWEALTH AVE, ELGIN, IL 60123-7322
Document Number0000009821
Instrument DateMar 6, 2019
Instrument2019K009821
Transaction TypeTransfer
Record UpdatedAug 5, 2022
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$220.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address374 S COMMONWEALTH AVE, ELGIN, IL 60123-7322

Mortgage

Document Number0000009822
DateMar 13, 2019
Instrument2019K009822
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2049
Interest
Rate4.5%

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateJul 28, 2017
Property Address374 S COMMONWEALTH AVE, ELGIN, IL 60123-7322
Document Number0000039312
Instrument DateJul 11, 2017
Instrument2017K039312
Transaction TypeTransfer
Record UpdatedAug 5, 2022
Title CompanyGREATER ILLIONIOS TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$200.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address374 S COMMONWEALTH AVE, ELGIN, IL 60123-7322

Mortgage

Document Number0000039313
DateJul 28, 2017
Instrument2017K039313
Lender
NameCROSSCOUNTRY MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2047

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,469.00 (+15.83%) Homeowner's exemption
2024$85,480 (+21.39%) Land $17,240 Building $68,240$256,543 (+21.44%) Land $51,741 Building $204,802
2022$5,585.00 (+4.63%) Homeowner's exemption$70,416 (+6.96%) Land $14,202 Building $56,214$211,248 (+6.96%) Land $42,606 Building $168,642
2021$5,338.00 Homeowner's exemption$65,834 Land $13,278 Building $52,556$197,502 Land $39,834 Building $157,668

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

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

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

Wildfire RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 626 locations within half a mile, as of December 31, 2025

ProviderMax 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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