399 Jefferson Ave, Elgin, IL 60120 Property Records

Kane County property record for 399 Jefferson Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,384 sqft · built 1875
Lot Size	0.127 acres (5,511 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Oct 2023)
Tax Bill	$5,447 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-12-376-009`

Property Details

APN / Parcel Number

Primary APN	`06-12-376-009`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,384 sqft Living Area
Gross Area	2,076 sqft
Basement Area	692 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Construction Type	Frame
Lot Area	5,511 sqft (0.127 acres)
Lot Dimensions	167 ft deep x 33 ft wide
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	399 JEFFERSON AVE
City	ELGIN
State	IL
Zip	60120-3847
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J P KNOTTS SUB LOT 2 BLOCK 26 OF P J KIMBALL JRS 3RD ADDN LOT 11
Legal Subdivision	J P KNOTTS SUB
Legal Block	26
Legal Lot Number	2,11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2001
Census Tract	851302

Owner

399 Jefferson Ave is owned and occupied by two individuals who bought it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2040 BEST PL, AURORA, IL 60506-3374
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 18, 2023	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Jul 28, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2023 · Amount on File
Deed Sale	Oct 18, 2023 · Amount on File
Prior Sale	Jul 28, 2021 · Amount on File
Deed Document Number	202336574
Prior Transfer Date	Nov 7, 2007
Prior Transfer Doc	0000117774
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 18, 2023
Property Address	399 JEFFERSON AVE, ELGIN, IL 60120-3847
Document Number	0000036574
Instrument Date	Oct 17, 2023
Instrument	2023K036574
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 BEST PL, AURORA, IL 60506-3374
Investor	Possibly a Property Investor

Mortgage

Document Number	0000036575
Date	Oct 18, 2023
Instrument	2023K036575

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 28, 2021
Property Address	399 JEFFERSON AVE, ELGIN, IL 60120-3847
Document Number	0000057945
Instrument Date	Jul 8, 2021
Instrument	2021K057945
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3514 S 59TH AVE, CICERO, IL 60804-4261

Tax Assessment & Valuation

The 2025 property tax bill for 399 Jefferson Ave was $5,447 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	$5,447.00	$79,403 (+8.57%) Land $13,584 Building $65,819	$238,304 (+8.57%) Land $40,768 Building $197,536
2024		$73,136 Land $12,512 Building $60,624	$219,496 Land $37,551 Building $181,945
2022	$4,774.00 (+6.35%) Homeowner's exemption	$60,247 (+6.96%) Land $10,307 Building $49,940	$180,741 (+6.96%) Land $30,921 Building $149,820
2021	$4,489.00 Homeowner's exemption	$56,326 Land $9,636 Building $46,690	$168,978 Land $28,908 Building $140,070

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 399 Jefferson Ave in Zone X, an area of minimal flood risk.

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

The area around 399 Jefferson 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 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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