Kane County property record for 403 N Commonwealth Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,060 sqft · built 1939 |
| Lot Size | 0.14 acres (6,100 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $222,000 (Mar 2021) |
| Tax Bill | $6,829 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Mar 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-102-001 |
| Primary APN | 06-14-102-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 5 Stories |
| Building Area | 2,060 sqft Living Area |
| Gross Area | 3,127 sqft |
| Basement Area | 1,067 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Lot Area | 6,100 sqft (0.14 acres) |
| Lot Dimensions | 122 ft deep x 50 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Water Source | Commercial |
| Street Address | 403 N COMMONWEALTH AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-3417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GEORGE BUSSES ADDN LOT 1 |
| Legal Subdivision | GEORGE BUSSES ADDN |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 851102 |
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 | Trust Name on Record |
|---|---|
| Mailing Address | 403 N COMMONWEALTH AVE, ELGIN, IL 60123-3417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Nov 10, 2022 | Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA |
| Mar 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Aug 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL ONE NA |
| Sep 25, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 11, 2021 · Amount on Record |
| Deed Sale | Mar 11, 2021 · Amount on Record |
| Prior Sale | Sep 25, 2019 · Amount on Record |
| Deed Document Number | 202119403 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 403 N COMMONWEALTH AVE, ELGIN, IL 60123-3417 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 403 N COMMONWEALTH AVE, ELGIN, IL 60123-3417 |
| Document Number | 0000054565 |
|---|---|
| Date | Nov 10, 2022 |
| Instrument | 2022K054565 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 178 Months |
| Due | Sep 13, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 11, 2021 |
| Property Address | 403 N COMMONWEALTH AVE, ELGIN, IL 60123-3417 |
| Document Number | 0000019403 |
| Instrument Date | Feb 18, 2021 |
| Instrument | 2021K019403 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEYS TTL GUARANTY FUND |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $222.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Document Number | 0000019404 |
|---|---|
| Date | Mar 11, 2021 |
| Instrument | 2021K019404 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 403 N COMMONWEALTH AVE, ELGIN, IL 60123-3417 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000043615 |
|---|---|
| Date | Aug 21, 2017 |
| Instrument | 2017K043615 |
| Name | CAPITAL ONE NA |
|---|---|
| Type | Bank |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 25, 2019 |
| Property Address | 403 N COMMONWEALTH AVE, ELGIN, IL 60123-3417 |
| Document Number | 0000044726 |
| Instrument Date | Sep 23, 2019 |
| Instrument | 44726 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $520.75 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2568 DERBY CT ELGIN IL 60123, ELGIN, IL 60123 |
Source: Kane County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,829.00 (-3.44%) Homeowner's exemption | ||
| 2024 | $89,823 (+2.58%) Land $17,447 Building $72,376 | $269,577 (+2.62%) Land $52,362 Building $217,215 | |
| 2022 | $7,072.00 (+4.49%) Homeowner's exemption | $87,568 (+6.96%) Land $14,372 Building $73,196 | $262,704 (+6.96%) Land $43,116 Building $219,588 |
| 2021 | $6,768.00 Homeowner's exemption | $81,870 Land $13,437 Building $68,433 | $245,610 Land $40,311 Building $205,299 |
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.
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 | 1 (1982) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1982 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 574 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, Fixed Wireless in parts of the area | 100 / 20 |
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