396 Division St, Elgin, IL 60120 Property Records

Kane County property record for 396 Division St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,837 sqft · built 1907
Lot Size	0.145 acres (6,300 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,821 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-179-026`

Property Details

APN / Parcel Number

Primary APN	`06-13-179-026`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,837 sqft Living Area
Gross Area	2,811 sqft
Basement Area	974 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Construction Type	Frame
Lot Area	6,300 sqft (0.145 acres)
Lot Dimensions	84 ft deep x 75 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	396 DIVISION ST
City	ELGIN
State	IL
Zip	60120-5641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAIL BORDENS SUB LOT 4 & THE ELY 14.5 FT OF LOT 3 (EX THE NLY 75 FT OF THE SAID LOTS) DESC IN DOC 96K010492
Legal Subdivision	GAIL BORDENS SUB
Legal Block	1
Legal Lot Number	4,3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1011
Census Tract	854600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elgin Historic District listed 1983 · 327 contributing resources · NRIS 83000318

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kane County assessment roll, as of August 25, 2025

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 File
Mailing Address	396 DIVISION ST, ELGIN, IL 60120-5641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage POINT DIGITAL FINANCIAL INC
Mar 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 14, 1996
Deed Sale	Feb 14, 1996
Prior Sale	Sep 19, 1995
Deed Document Number	199610492
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jun 2, 2026
Property Address	396 DIVISION ST, ELGIN, IL 60120-5641
Document Number	0000022774
Instrument Date	May 23, 2026
Instrument	202622774
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 DIVISION ST, ELGIN, IL 60120-5641

Mortgage

Document Number	0000022774,
Date	Jun 2, 2026
Instrument	202622774

Lender

Name	POINT DIGITAL FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	396 DIVISION ST, ELGIN, IL 60120-5641
Transaction Type	Mortgage
Record Updated	Mar 9, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011932
Date	Mar 2, 2022
Instrument	2022K011932

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 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	$5,821.00 (+4.43%) Homeowner's exemption
2024	$5,574.00 (+10.9%)	$77,654 (+21.4%) Land $14,361 Building $63,293	$233,055 (+21.44%) Land $43,100 Building $189,955
2022	$5,026.00 (+4.71%) Homeowner's exemption	$63,968 (+6.96%) Land $11,830 Building $52,138	$191,904 (+6.96%) Land $35,490 Building $156,414
2021	$4,800.00 Homeowner's exemption	$59,805 Land $11,060 Building $48,745	$179,415 Land $33,180 Building $146,235

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

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 545 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable · Fiber in parts of the area	1,500 / 50
Opiquad Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile USA, Verizon.

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