394 S Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 394 S Commonwealth Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,281 sqft · built 1951
Lot Size	0.236 acres (10,260 sqft)
Owner	2 Individual Names on Record
Last Sale	$108,000 (Jul 1999)
Tax Bill	$6,451 (2025)
Deeds & Mortgages	Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-103-016`

Property Details

APN / Parcel Number

Primary APN	`06-23-103-016`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,281 sqft Living Area
Gross Area	2,562 sqft
1st Floor Area	1,281 sqft
Basement Area	1,281 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Brick
Lot Area	10,260 sqft (0.236 acres)
Lot Dimensions	190 ft deep x 54 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	394 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 P BLOCK 13
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	13
Legal Lot Number	P
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 21, 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	394 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 15, 1999 · Amount on Record
Deed Sale	Jul 15, 1999 · Amount on Record
Deed Document Number	199969654
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	394 S COMMONWEALTH AVE, ELGIN, IL 60123-7322
Transaction Type	Mortgage
Record Updated	Jun 15, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	394 S COMMONWEALTH AVE, ELGIN, IL 60123-7322

Mortgage

Document Number	0000030349
Date	Jun 9, 2022
Instrument	2022K030349

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 2025

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	$6,451.00 (+15.84%) Homeowner's exemption
2024		$85,255 (+21.39%) Land $17,499 Building $67,756	$255,867 (+21.44%) Land $52,518 Building $203,349
2022	$5,569.00 (+4.64%) Homeowner's exemption	$70,230 (+6.96%) Land $14,415 Building $55,815	$210,690 (+6.96%) Land $43,245 Building $167,445
2021	$5,322.00 Homeowner's exemption	$65,660 Land $13,477 Building $52,183	$196,980 Land $40,431 Building $156,549

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 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