388 S Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 388 S Commonwealth Ave, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,077 sqft · built 1955
Lot Size	0.236 acres (10,260 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Oct 2020)
Tax Bill	$5,899 (2025)
Deeds & Mortgages	Jun 2021 Transfer Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-103-014`

Property Details

APN / Parcel Number

Primary APN	`06-23-103-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,077 sqft Living Area
Gross Area	2,154 sqft
1st Floor Area	1,077 sqft
Basement Area	1,077 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Brick
Lot Area	10,260 sqft (0.236 acres)
Lot Dimensions	190 ft deep x 54 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	388 S COMMONWEALTH AVE
City	ELGIN
State	IL
Zip	60123-7322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTY CLERKS SUB LOT N BLOCK 13
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	13
Legal Lot Number	N
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3013
Census Tract	854900

Owner

Source: Kane County records · APN 06-23-103-014

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	388 S COMMONWEALTH AVE, ELGIN, IL 60123-7322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Intrafamily Transfer, Transfer
Oct 13, 2020	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 13, 2020 · Amount on Record
Deed Sale	Oct 13, 2020 · Amount on Record
Prior Sale	Jan 14, 1997 · Amount on Record
Deed Document Number	202060277
Last Transfer Date	May 03, 2021
Transfer Doc	0000046774
Record Updated	Sep 20, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 18, 2021
Property Address	388 S COMMONWEALTH AVE, ELGIN, IL 60123-7322
Document Number	0000046774
Instrument Date	May 03, 2021
Instrument	2021K046774
Transaction Type	Transfer
Record Updated	Jul 09, 2021

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	388 S COMMONWEALTH AVE, ELGIN, IL 60123-7322

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 13, 2020
Property Address	388 S COMMONWEALTH AVE, ELGIN, IL 60123-7322
Document Number	0000060277
Instrument Date	Sep 18, 2020
Instrument	2020K060277
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 DEXTER CT, 150, ELGIN, IL 60120-5527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 S COMMONWEALTH AVE, ELGIN, IL 60123-7322

Mortgage

Document Number	0000060278
Date	Oct 13, 2020
Instrument	2020K060278

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2050

Interest

Rate Type	Fixed Rate
Rate	2.99%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,899.00 (+15.83%) Homeowner's exemption
2024		$78,598 (+21.39%) Land $17,499 Building $61,099	$235,888 (+21.44%) Land $52,518 Building $183,370
2022	$5,093.00 (+4.69%) Homeowner's exemption	$64,746 (+6.96%) Land $14,415 Building $50,331	$194,238 (+6.96%) Land $43,245 Building $150,993
2021	$4,865.00 Homeowner's exemption	$60,533 Land $13,477 Building $47,056	$181,599 Land $40,431 Building $141,168

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 626 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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