Kane County property record for 391 N Commonwealth Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,440 sqft · built 1939 |
| Lot Size | 0.161 acres (6,996 sqft) |
| Owner | Company Name on File |
| Tax Bill | $6,337 (2025) |
| Deeds & Mortgages | Apr 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-104-002 |
| Primary APN | 06-14-104-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| Gross Area | 2,100 sqft |
| Basement Area | 660 sqft |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Construction Type | Frame |
| Lot Area | 6,996 sqft (0.161 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|
| Street Address | 391 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 2 BLOCK 4 |
| Legal Subdivision | EDWARD J OBEIRNES SUB |
| Legal Block | 4 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 851102 |
391 N Commonwealth Ave is owned by a company that acquired it in October 2005 and is owner-occupied.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 391 N COMMONWEALTH AVE, ELGIN, IL 60123-3463 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 25, 2005 |
| Transfer Doc | 0000135730 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 391 N COMMONWEALTH AVE, ELGIN, IL 60123-3463 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000019344 |
|---|---|
| Date | Apr 27, 2018 |
| Instrument | 2018K019344 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 23, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 391 N Commonwealth Ave was $6,337 with exemptions applied.
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 | $6,337.00 Homeowner's exemption Senior Citizen's exemption | $99,067 (+8.57%) Land $22,375 Building $76,692 | $297,320 (+8.57%) Land $67,152 Building $230,168 |
| 2024 | $91,247 Land $20,609 Building $70,638 | $273,851 Land $61,852 Building $211,999 | |
| 2022 | $5,563.00 (+5.2%) Homeowner's exemption | $75,166 (+6.96%) Land $16,977 Building $58,189 | $225,498 (+6.96%) Land $50,931 Building $174,567 |
| 2021 | $5,288.00 Homeowner's exemption | $70,275 Land $15,872 Building $54,403 | $210,825 Land $47,616 Building $163,209 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 391 N Commonwealth Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.
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.
The area around 391 N Commonwealth Ave 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.
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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