395 McClure Ave, Elgin, IL 60123 Property Records

Kane County property record for 395 McClure Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,505 sqft · built 1900
Lot Size	0.164 acres (7,130 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Feb 2020)
Tax Bill	$4,974 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-126-009`

Property Details

APN / Parcel Number

Primary APN	`06-14-126-009`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	5 Stories
Building Area	1,505 sqft Living Area
Gross Area	2,508 sqft
Basement Area	1,003 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,130 sqft (0.164 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	395 MCCLURE AVE
City	ELGIN
State	IL
Zip	60123-3549
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCCLURES 2ND ADD EX (SLY 21 FT MEASURED ON ELY LINE & SLY 0 FT MEASURED ON WLY LINE) LOT 8 BLK 3
Legal Subdivision	MCCLURES 2ND ADD
Legal Block	1
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1002
Census Tract	851102

Owner

395 McClure Ave is owned and occupied by two individuals who bought it in February 2020.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	395 MCCLURE AVE, ELGIN, IL 60123-3549
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Feb 5, 2020	Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2020 · Amount on File
Deed Sale	Feb 5, 2020 · Amount on File
Prior Sale	Aug 3, 2011 · Amount on File
Deed Document Number	20206591
Prior Transfer Date	Aug 1, 2011
Prior Transfer Doc	0000049150
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	395 MCCLURE AVE, ELGIN, IL 60123-3549
Transaction Type	Mortgage
Record Updated	Oct 14, 2025
Title Company	UNKNOWN, KANE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 MCCLURE AVE, ELGIN, IL 60123-3549

Mortgage

Document Number	0000037422
Date	Sep 26, 2025
Instrument	2025K037422

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Feb 5, 2020
Property Address	395 MCCLURE AVE, ELGIN, IL 60123-3549
Document Number	0000006591
Instrument Date	Feb 3, 2020
Instrument	2020K006591
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	395 MCCLURE AVE, ELGIN, IL 60123-3549

Mortgage

Document Number	0000006592
Date	Feb 5, 2020
Instrument	2020K006592

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 395 McClure Ave was $4,974 with a homeowner's exemption.

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	$4,974.00 Homeowner's exemption	$73,205 (+8.57%) Land $15,830 Building $57,375	$219,703 (+8.57%) Land $47,509 Building $172,194
2024		$67,426 Land $14,580 Building $52,846	$202,359 Land $43,758 Building $158,601
2022	$4,295.00 (+4.83%) Homeowner's exemption	$55,543 (+6.96%) Land $12,011 Building $43,532	$166,629 (+6.96%) Land $36,033 Building $130,596
2021	$4,097.00 Homeowner's exemption	$51,928 Land $11,229 Building $40,699	$155,784 Land $33,687 Building $122,097

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

FEMA maps place 395 McClure Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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	3 (1978–2009)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2009 · 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.

Wildfire

The area around 395 McClure 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.

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 382 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

May also be available: T-Mobile.

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