405 W Amberside Dr, Elgin, IL 60124 Property Records

Kane County property record for 405 W Amberside Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,824 sqft · built 2007
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$392,000 (Oct 2007)
Tax Bill	$12,660 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit May 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-07-470-010`

Property Details

APN / Parcel Number

Primary APN	`06-07-470-010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,824 sqft Living Area
Gross Area	4,214 sqft
Basement Area	1,390 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	405 W AMBERSIDE DR
City	ELGIN
State	IL
Zip	60124-7860
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOY PROPERTY LT 5
Legal Subdivision	FOY PROPERTY
Legal Block	4
Legal Lot Number	5
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 23, 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	224 HILL CT, HARTLAND, WI 53029-2034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage · Line of Credit BANK NATIONAL ASSOCIATION
May 20, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Mar 26, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 16, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2007 · Amount on Record
Deed Sale	Oct 5, 2007 · Amount on Record
Deed Document Number	2007102233
Last Transfer Date	May 8, 2026
Transfer Doc	0000020755
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jul 10, 2026
Property Address	405 W AMBERSIDE DR, ELGIN, IL 60124-7860
Document Number	0000029202
Instrument Date	Jul 6, 2026
Instrument	202629202
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	ICE MORTGAGE TECHNOLOGY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	405 W AMBERSIDE DR, ELGIN, IL 60124-7860

Mortgage

Document Number	0000029202,
Date	Jul 10, 2026
Instrument	202629202

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 10, 2036

Interest

Rate	7.12%
Max Rate	-1%

May 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	KANE IL
Recording Date	May 20, 2026
Property Address	405 W AMBERSIDE DR, ELGIN, IL 60124-7860
Document Number	0000020755
Instrument Date	May 8, 2026
Instrument	202620755
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 HILL CT, HARTLAND, WI 53029-2034

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	405 W AMBERSIDE DR, ELGIN, IL 60124-7860
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023710
Date	Mar 26, 2021
Instrument	2021K023710

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2041

Interest

Rate	3.25%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	405 W AMBERSIDE DR, ELGIN, IL 60124-7860
Document Number	0000015500
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	405 W AMBERSIDE DR ELGIN IL 601247860, ELGIN, IL 60124-7860

Mortgage

Document Number	0000015500
Date	Mar 27, 2020
Instrument	15500

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 26, 2040

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,660.00 (-2.76%) Homeowner's exemption	$169,664 (+8.57%) Land $44,049 Building $125,615	$509,196 (+8.57%) Land $132,200 Building $376,996
2024	$13,020.00 (+10.73%)	$156,272 (+21.39%) Land $40,572 Building $115,700	$469,004 (+21.44%) Land $121,765 Building $347,239
2022	$11,758.00 (+3.38%) Homeowner's exemption	$128,732 (+6.96%) Land $33,422 Building $95,310	$386,196 (+6.96%) Land $100,266 Building $285,930
2021	$11,374.00 Homeowner's exemption	$120,355 Land $31,247 Building $89,108	$361,065 Land $93,741 Building $267,324

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.

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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