399 W Amberside Dr, Elgin, IL 60124 Property Records

Kane County property record for 399 W Amberside Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,583 sqft · built 2007
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Jan 2014)
Tax Bill	$12,927 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-07-470-013`

Property Details

APN / Parcel Number

Primary APN	`06-07-470-013`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,583 sqft Living Area
Gross Area	5,429 sqft
Basement Area	1,846 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	128 ft deep x 80 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	399 W AMBERSIDE DR
City	ELGIN
State	IL
Zip	60124-7878
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOY PROPERTY LT 2
Legal Subdivision	FOY PROPERTY
Legal Block	4
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4015
Census Tract	851904

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	Individual Name on Record
Mailing Address	399 W AMBERSIDE DR, ELGIN, IL 60124-7878
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Oct 23, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIFTH THIRD BANK WESTERN MICHIGAN
Jul 27, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CENTRAL CREDIT UNION OF ILLINOIS
Aug 17, 2020	Deed of Trust, Mortgage · Line of Credit CENTRAL CREDIT UNION OF ILLINOIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2014 · Amount on Record
Deed Sale	Jan 17, 2014 · Amount on Record
Prior Sale	Apr 26, 2013
Deed Document Number	20142783
Prior Transfer Date	Apr 10, 2012
Prior Transfer Doc	0000029558
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	399 W AMBERSIDE DR, ELGIN, IL 60124-7878
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034362
Date	Jul 18, 2018
Instrument	2018K034362

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	399 W AMBERSIDE DR, ELGIN, IL 60124-7878
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050521
Date	Oct 23, 2019
Instrument	2019K050521

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 25, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	399 W AMBERSIDE DR, ELGIN, IL 60124-7878
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040575
Date	Jul 27, 2020
Instrument	2020K040575

Lender

Name	CENTRAL CREDIT UNION OF ILLINOIS
Type	Credit Union
Address	BELLWOOD, IL 60104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jun 19, 2030

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	399 W AMBERSIDE DR, ELGIN, IL 60124-7878
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046087
Date	Aug 17, 2020
Instrument	2020K046087

Lender

Name	CENTRAL CREDIT UNION OF ILLINOIS
Type	Credit Union
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 16, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,927.00 (+7.68%) Homeowner's exemption
2024		$161,371 (+22.89%) Land $40,572 Building $120,799	$484,307 (+22.94%) Land $121,765 Building $362,542
2022	$12,005.00 (+3.36%) Homeowner's exemption	$131,316 (+6.96%) Land $33,422 Building $97,894	$393,948 (+6.96%) Land $100,266 Building $293,682
2021	$11,615.00 Homeowner's exemption	$122,771 Land $31,247 Building $91,524	$368,313 Land $93,741 Building $274,572

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Jun 2000

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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