384 Raymond St, Elgin, IL 60120 Property Records

Kane County property record for 384 Raymond St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,656 sqft · built 1900
Lot Size	0.178 acres (7,740 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Oct 2018)
Tax Bill	$6,361 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-24-129-013`

Property Details

APN / Parcel Number

Primary APN	`06-24-129-013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,656 sqft Living Area
Gross Area	2,514 sqft
Basement Area	858 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	7,740 sqft (0.178 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	384 RAYMOND ST
City	ELGIN
State	IL
Zip	60120-7876
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P S & I S BARTLETTS SUB LOTS 2 & 3 BLOCK SHERMANS ADDN LOT 7 BLOCK 3
Legal Subdivision	P S&I S BARTLETTS SUB
Legal Block	3
Legal Lot Number	2,3,7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4003
Census Tract	851400

Owner

384 Raymond St is owned and occupied by two individuals who bought it in October 2018.

Source: Kane County records, as of August 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	384 RAYMOND ST, ELGIN, IL 60120-7876
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Aug 12, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 10, 2018	Warranty Deed, Transfer · FHA Mortgage OLD NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2018 · Amount on File
Deed Sale	Oct 10, 2018 · Amount on File
Prior Sale	Aug 12, 2002 · Amount on File
Deed Document Number	201849674
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	384 RAYMOND ST, ELGIN, IL 60120-7876
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	384 RAYMOND ST, ELGIN, IL 60120-7876

Mortgage

Document Number	0000040998
Date	Aug 12, 2022
Instrument	2022K040998

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Feb 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 10, 2018
Property Address	384 RAYMOND ST, ELGIN, IL 60120-7876
Document Number	0000049674
Instrument Date	Sep 12, 2018
Instrument	2018K049674
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ALLIANCE TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
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
Address	384 RAYMOND ST, ELGIN, IL 60120-7876

Mortgage

Document Number	0000049675
Date	Oct 10, 2018
Instrument	2018K049675

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 384 Raymond St was $6,361 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	$6,361.00 Homeowner's exemption	$91,384 (+8.57%) Land $12,879 Building $78,505	$274,262 (+8.57%) Land $38,652 Building $235,609
2024		$84,170 Land $11,862 Building $72,308	$252,611 Land $35,600 Building $217,011
2022	$5,491.00 (+4.63%) Homeowner's exemption	$69,336 (+6.96%) Land $9,771 Building $59,565	$208,008 (+6.96%) Land $29,313 Building $178,695
2021	$5,248.00 Homeowner's exemption	$64,824 Land $9,135 Building $55,689	$194,472 Land $27,405 Building $167,067

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 384 Raymond 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 384 Raymond 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 515 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
Verizon Fixed Wireless	300 / 20

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

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