392 Ann St, Elgin, IL 60120 Property Records

Kane County property record for 392 Ann St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,259 sqft · built 1910
Lot Size	0.135 acres (5,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Jun 2023)
Tax Bill	$5,947 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-126-016`

Property Details

APN / Parcel Number

Primary APN	`06-13-126-016`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	5 Stories
Building Area	1,259 sqft Living Area
Gross Area	2,098 sqft
Basement Area	839 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	5,900 sqft (0.135 acres)
Lot Dimensions	100 ft deep x 59 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	392 ANN ST
City	ELGIN
State	IL
Zip	60120-4228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES LYND HEIRS ADDN LOT 2
Legal Subdivision	JAMES LYND HEIRS ADDN
Legal Block	1
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1018
Census Tract	851302

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	392 ANN ST, ELGIN, IL 60120-4228
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Feb 2, 2023	Quit Claim Deed, Transfer · Conventional Mortgage ILLINOIS HOUSING DEVELOPMENT AUTHOR
Nov 8, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2023 · Amount on Record
Deed Sale	Jun 9, 2023 · Amount on Record
Prior Sale	Dec 30, 2016 · Amount on Record
Deed Document Number	202318757
Prior Transfer Date	Jan 20, 2023
Prior Transfer Doc	0000003522
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 9, 2023
Property Address	392 ANN ST, ELGIN, IL 60120-4228
Document Number	0000018757
Instrument Date	May 18, 2023
Instrument	2023K018757
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	392 ANN ST, ELGIN, IL 60120-4228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6706 TUDOF LANE #3 # 3, 3, WESTMONT, IL 60559-3428

Mortgage

Document Number	0000018758
Date	Jun 9, 2023
Instrument	2023K018758

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate	6.62%

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Feb 2, 2023
Property Address	392 ANN ST, ELGIN, IL 60120-4228
Document Number	0000003522
Instrument Date	Jan 20, 2023
Instrument	2023K003522
Transaction Type	Transfer
Record Updated	Feb 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	392 ANN ST, ELGIN, IL 60120-4228

Mortgage

Document Number	0000003436
Date	Feb 2, 2023
Instrument	2023K003436

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHOR
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Jan 1, 2028

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 8, 2017
Property Address	392 ANN ST, ELGIN, IL 60120-4228
Document Number	0000058741
Instrument Date	Nov 7, 2017
Instrument	58741
Transaction Type	Transfer
Record Updated	Nov 29, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	392 ANN ST ELGIN IL 601204228, ELGIN, IL 60120-4228

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	$5,947.00 (+15.81%)	$85,959 (+8.57%) Land $11,362 Building $74,597	$257,980 (+8.57%) Land $34,100 Building $223,881
2024		$79,174 (+21.4%) Land $10,465 Building $68,709	$237,617 (+21.44%) Land $31,408 Building $206,209
2022	$5,135.00 (+4.71%) Homeowner's exemption	$65,220 (+6.96%) Land $8,620 Building $56,600	$195,660 (+6.96%) Land $25,860 Building $169,800
2021	$4,904.00 Homeowner's exemption	$60,976 Land $8,059 Building $52,917	$182,928 Land $24,177 Building $158,751

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 625 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 · Fiber, Fixed Wireless in parts of the area	100 / 20

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

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