390 S Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 390 S Commonwealth Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,593 sqft · built 1946
Lot Size	0.236 acres (10,260 sqft)
Owner	2 Individual Names on Record
Last Sale	$132,500 (Jul 1995)
Tax Bill	$5,704 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-23-103-015`

Property Details

APN / Parcel Number

Primary APN	`06-23-103-015`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,593 sqft Living Area
Gross Area	2,616 sqft
1st Floor Area	1,593 sqft
Basement Area	1,023 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Construction Type	Frame
Lot Area	10,260 sqft (0.236 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	390 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 O BLOCK 13
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	13
Legal Lot Number	O
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3013
Census Tract	854900

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	390 S COMMONWEALTH AVE, ELGIN, IL 60123-7322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 1995 · Amount on Record
Deed Sale	Jul 11, 1995 · Amount on Record
Deed Document Number	199538026
Deed Book / Page	1106 / 816
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	390 S COMMONWEALTH AVE, ELGIN, IL 60123-7322
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039618
Date	Oct 9, 2025
Instrument	2025K039618

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Min Rate At Change	4.25%
Max Rate	18%

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	$5,704.00 (+13.67%) Homeowner's exemption Senior Citizen's exemption	$90,778 (+8.57%) Land $18,999 Building $71,779	$272,443 (+8.57%) Land $57,020 Building $215,423
2024		$83,612 (+21.39%) Land $17,499 Building $66,113	$250,936 (+21.44%) Land $52,518 Building $198,418
2022	$5,018.00 (+5.35%) Homeowner's exemption	$68,877 (+6.96%) Land $14,415 Building $54,462	$206,631 (+6.96%) Land $43,245 Building $163,386
2021	$4,763.00 Homeowner's exemption	$64,395 Land $13,477 Building $50,918	$193,185 Land $40,431 Building $152,754

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 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 626 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 in parts of the area	100 / 20