400 Sherman Ave, Elgin, IL 60120 Property Records

Kane County property record for 400 Sherman Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,048 sqft · built 1870
Lot Size	0.104 acres (4,534 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Sep 2023)
Tax Bill	$5,240 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-24-202-004`

Property Details

APN / Parcel Number

Primary APN	`06-24-202-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,048 sqft Living Area
Gross Area	3,072 sqft
Basement Area	1,024 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Construction Type	Frame
Lot Area	4,534 sqft (0.104 acres)

Location & Zoning

Street Address	400 SHERMAN AVE
City	ELGIN
State	IL
Zip	60120-6745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERMANS ADDN PART OF LOTS 7 & 8 DESC IN DOC 886672 BOOK 1955/142 BLOCK 7
Legal Subdivision	SHERMANS ADDN
Legal Block	7
Legal Lot Number	7,8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4000
Census Tract	851400

Owner

400 Sherman Ave is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	5819 W CORNELIA AVE, CHICAGO, IL 60634-4350
Occupancy	Owner Occupied
Owner Type	Individual

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 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 8, 2023	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2023 · Amount on File
Deed Sale	Sep 8, 2023 · Amount on File
Prior Sale	May 27, 2014 · Amount on File
Deed Document Number	202331296
Prior Transfer Date	Oct 10, 2003
Prior Transfer Doc	0000076386
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	400 SHERMAN AVE, ELGIN, IL 60120-6745
Transaction Type	Mortgage
Record Updated	Nov 11, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 SHERMAN AVE, ELGIN, IL 60120-6745

Mortgage

Document Number	0000043086
Date	Oct 31, 2025
Instrument	2025K043086

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 4, 2055

Interest

Rate Type	Fixed Rate
Rate	6.18%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 8, 2023
Property Address	400 SHERMAN AVE, ELGIN, IL 60120-6745
Document Number	0000031296
Instrument Date	Aug 9, 2023
Instrument	2023K031296
Transaction Type	Transfer
Record Updated	Sep 18, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5819 W CORNELIA AVE, CHICAGO, IL 60634-4350

Mortgage

Document Number	0000031297
Date	Sep 8, 2023
Instrument	2023K031297

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.25%

Tax Assessment & Valuation

The 2025 property tax bill for 400 Sherman Ave was $5,240 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	$5,240.00	$76,688 (+8.57%) Land $10,984 Building $65,704	$230,156 (+8.57%) Land $32,965 Building $197,191
2024		$70,635 Land $10,117 Building $60,518	$211,990 Land $30,363 Building $181,627
2022	$4,652.00 (+3.96%)	$53,654 (+6.96%) Land $8,334 Building $45,320	$160,962 (+6.96%) Land $25,002 Building $135,960
2021	$4,475.00	$50,163 Land $7,792 Building $42,371	$150,489 Land $23,376 Building $127,113

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 400 Sherman 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 400 Sherman 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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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