385 Algona Ave, Elgin, IL 60120 Property Records

Kane County property record for 385 Algona Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,748 sqft · built 1880
Lot Size	0.232 acres (10,092 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,977 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-332-009`

Property Details

APN / Parcel Number

Primary APN	`06-12-332-009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,748 sqft Living Area
Gross Area	2,697 sqft
Basement Area	949 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Construction Type	Frame
Lot Area	10,092 sqft (0.232 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	385 ALGONA AVE
City	ELGIN
State	IL
Zip	60120-3883
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT ADDN LOT 5 BLOCK 4
Legal Subdivision	PROSPECT ADDN
Legal Block	4
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5017
Census Tract	850800

Owner

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	385 ALGONA AVE, ELGIN, IL 60120-3883
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 9, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 10, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 27, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage INLANTA MORTGAGE INC
Jul 5, 2022	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 8, 2022
Transfer Doc	0000047709
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	385 ALGONA AVE, ELGIN, IL 60120-3883
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 ALGONA AVE, ELGIN, IL 60120-3883

Mortgage

Document Number	0000011335
Date	Mar 23, 2026
Instrument	2026K011335

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 14, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	385 ALGONA AVE, ELGIN, IL 60120-3883
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 ALGONA AVE, ELGIN, IL 60120-3883

Mortgage

Document Number	0000009399
Date	Mar 9, 2026
Instrument	2026K009399

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 14, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	385 ALGONA AVE, ELGIN, IL 60120-3883
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 ALGONA AVE, ELGIN, IL 60120-3883

Mortgage

Document Number	0000011178
Date	Apr 10, 2023
Instrument	2023K011178

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Mar 28, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Sep 27, 2022
Property Address	385 ALGONA AVE, ELGIN, IL 60120-3883
Document Number	0000047709
Instrument Date	Sep 8, 2022
Instrument	2022K047709
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	385 ALGONA AVE, ELGIN, IL 60120-3883

Mortgage

Document Number	0000047710
Date	Sep 27, 2022
Instrument	2022K047710

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	385 ALGONA AVE, ELGIN, IL 60120-3883
Transaction Type	Mortgage
Record Updated	Jul 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034291
Date	Jul 5, 2022
Instrument	2022K034291

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 4, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,977.00 (-26.26%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$81,776 (+8.57%) Land $23,224 Building $58,552	$245,426 (+8.57%) Land $69,700 Building $175,726
2024		$75,321 (+29.85%) Land $21,391 Building $53,930	$226,053 (+29.9%) Land $64,199 Building $161,855
2022	$2,681.00 (-2.79%) Disabled Person's exemption	$58,008 (+6.96%) Land $17,621 Building $40,387	$174,024 (+6.96%) Land $52,863 Building $121,161
2021	$2,758.00 Disabled Person's exemption	$54,233 Land $16,474 Building $37,759	$162,699 Land $49,422 Building $113,277

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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 592 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
AT&T DSL	100 / 20

May also be available: Verizon.

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