Kane County property record for 375 N Commonwealth Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,174 sqft · built 1934 |
| Lot Size | 0.161 acres (6,996 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $166,000 (Jun 2017) |
| Tax Bill | $6,780 (2025) |
| Deeds & Mortgages | Dec 2025 Transfer Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-104-005 |
| Primary APN | 06-14-104-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 5 Stories |
| Building Area | 1,174 sqft Living Area |
| Gross Area | 2,050 sqft |
| Basement Area | 876 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1934 |
|---|---|
| Effective Year Built | Effective 1934 |
| Construction Type | Frame |
| Lot Area | 6,996 sqft (0.161 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 375 N COMMONWEALTH AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-3463 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDWARD J OBEIRNES SUB LOT 5 BLOCK 4 |
| Legal Subdivision | EDWARD J OBEIRNES SUB |
| Legal Block | 4 |
| Legal Lot Number | 5 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 851102 |
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 | 2305 WILKE RD, ROLLING MEADOWS, IL 60008-1656 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2025 | Transfer on Death Deed, Transfer |
| Jan 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 15, 2017 | Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2017 · Amount on Record |
| Deed Sale | Jun 15, 2017 · Amount on Record |
| Deed Document Number | 201730548 |
| Prior Transfer Date | Oct 19, 2001 |
| Prior Transfer Doc | 0000123843 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 30, 2025 |
| Property Address | 375 N COMMONWEALTH AVE, ELGIN, IL 60123-3463 |
| Document Number | 0000051764 |
| Instrument Date | Dec 26, 2025 |
| Instrument | 2025K051764 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 375 N COMMONWEALTH AVE, ELGIN, IL 60123-3463 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2305 WILKE RD, ROLLING MEADOWS, IL 60008-1656 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 375 N COMMONWEALTH AVE, ELGIN, IL 60123-3463 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | HERITAGE TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000004503 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 2021K004503 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 15, 2017 |
| Property Address | 375 N COMMONWEALTH AVE, ELGIN, IL 60123-3463 |
| Document Number | 0000030548 |
| Instrument Date | Jun 1, 2017 |
| Instrument | 2017K030548 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $166.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 839 AUGUSTA AVE # 2, 2, ELGIN, IL 60120-2979 |
| Document Number | 0000030549 |
|---|---|
| Date | Jun 15, 2017 |
| Instrument | 2017K030549 |
| Name | FIRST CENTENNIAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
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 | $6,780.00 (+4.31%) Homeowner's exemption | $96,871 (+8.57%) Land $22,375 Building $74,496 | $290,729 (+8.57%) Land $67,152 Building $223,577 |
| 2024 | $6,500.00 (+11.05%) Homeowner's exemption | $89,225 (+21.39%) Land $20,609 Building $68,616 | $267,782 (+21.44%) Land $61,852 Building $205,930 |
| 2022 | $5,853.00 (+4.61%) Homeowner's exemption | $73,500 (+6.96%) Land $16,977 Building $56,523 | $220,500 (+6.96%) Land $50,931 Building $169,569 |
| 2021 | $5,595.00 Homeowner's exemption | $68,717 Land $15,872 Building $52,845 | $206,151 Land $47,616 Building $158,535 |
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 (1982) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1982 · rainfall accumulation |
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 574 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, Fixed Wireless in parts of the area | 100 / 20 |
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