405 Division St, Elgin, IL 60120 Property Records

Kane County property record for 405 Division St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,473 sqft · built 1900
Lot Size	0.145 acres (6,336 sqft)
Owner	2 Company Names on Record
Last Sale	$115,000 (Jun 2018)
Tax Bill	$4,707 (2025)
Deeds & Mortgages	May 2022 Transfer Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-183-002`

Property Details

APN / Parcel Number

Primary APN	`06-13-183-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,473 sqft Living Area
Gross Area	3,954 sqft
Basement Area	1,481 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	6,336 sqft (0.145 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	405 DIVISION ST
City	ELGIN
State	IL
Zip	60120-5734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	I S BARTLETTS SUB OF OUTLOTS 1 & 2 J T GIFFIRDS ADD WEST 48 FT EAST 148 FT EX SW CORNER (BEING 32 FT ON WEST LYING 25 FT ON NORTH LYING & 48 FT ON SOUTH LYING) LOT 6
Legal Subdivision	J T GIFFIRDS ADD
Legal Block	3
Legal Lot Number	1-2,6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3006
Census Tract	851301

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 records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	38W920 MCDONALD RD, ELGIN, IL 60124
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Intrafamily Transfer, Transfer ATTORNEY
Feb 4, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST FEDERAL SAVINGS BANK
Mar 17, 2020	Deed of Trust, Mortgage · Line of Credit FIRST FED'L SVGS BK
Jun 28, 2018	Grant Deed, Transfer ATTORNEY'S TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2018 · Amount on Record
Deed Sale	Jun 28, 2018 · Amount on Record
Deed Document Number	201830960
Prior Transfer Date	May 28, 2009
Prior Transfer Doc	0000040172
Record Updated	Sep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	May 24, 2022
Property Address	405 DIVISION ST, ELGIN, IL 60120-5734
Document Number	0000027444
Instrument Date	Apr 25, 2022
Instrument	2022K027444
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38W920 MCDONALD RD, ELGIN, IL 60124

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	405 DIVISION ST, ELGIN, IL 60120-5734
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004385
Date	Feb 4, 2019
Instrument	2019K004385

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	OTTAWA, IL 61350

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	35 Months
Due	Jan 25, 2022

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	405 DIVISION ST, ELGIN, IL 60120-5734
Document Number	0000014258
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 ADDISON ST ELGIN IL 601204434, ELGIN, IL 60120-4434

Mortgage

Document Number	0000014258
Date	Mar 19, 2020
Instrument	14258

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	OTTAWA, IL 61350

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 18, 2025

Interest

Rate Type	Adjustable Rate
Rate	4.5%

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Jun 28, 2018
Property Address	405 DIVISION ST, ELGIN, IL 60120-5734
Document Number	0000030960
Instrument Date	Jun 15, 2018
Instrument	30960
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	ATTORNEY'S TITLE

Transaction

Amount	Amount Recorded
Tax	$172.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8N597 WILDWOOD DR ELGIN IL 601240506, ELGIN, IL 60124-0506

Tax Assessment & Valuation

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	$4,707.00 (+3.5%)	$61,707 (+8.57%) Land $13,707 Building $48,000	$185,195 (+8.57%) Land $41,137 Building $144,058
2024	$4,548.00 (+12.05%)	$56,836 (+21.4%) Land $12,625 Building $44,211	$170,576 (+21.44%) Land $37,890 Building $132,686
2022	$4,059.00 (+3.94%)	$46,819 (+6.96%) Land $10,400 Building $36,419	$140,457 (+6.96%) Land $31,200 Building $109,257
2021	$3,905.00	$43,772 Land $9,723 Building $34,049	$131,316 Land $29,169 Building $102,147

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

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

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 545 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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