406 Addison St, Elgin, IL 60120 Property Records

Kane County property record for 406 Addison St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,830 sqft · built 1880
Lot Size	0.224 acres (9,764 sqft)
Owner	2 Company Names on Record
Last Sale	$174,000 (Nov 2002)
Tax Bill	$5,755 (2025)
Deeds & Mortgages	May 2022 Transfer Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-132-014`

Property Details

APN / Parcel Number

Primary APN	`06-13-132-014`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,830 sqft Living Area
Gross Area	3,117 sqft
Basement Area	1,287 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Construction Type	Frame
Lot Area	9,764 sqft (0.224 acres)
Lot Width	92 ft Width

Location & Zoning

Street Address	406 ADDISON ST
City	ELGIN
State	IL
Zip	60120-5391
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	C H RADCLIFFS ADDN LOT 2
Legal Subdivision	C H RADCLIFFS ADDN
Legal Block	1
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1001
Census Tract	851301

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 19, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST FEDERAL SAVINGS BANK
Apr 5, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2002 · Amount on Record
Deed Sale	Nov 18, 2002 · Amount on Record
Prior Sale	Jul 3, 1996 · Amount on Record
Deed Document Number	2002150394
Prior Transfer Date	Aug 10, 1995
Prior Transfer Doc	0000048125
Record Updated	Oct 29, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	May 24, 2022
Property Address	406 ADDISON ST, ELGIN, IL 60120-5391
Document Number	0000027439
Instrument Date	Apr 25, 2022
Instrument	2022K027439
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
Relationship	Revocable Living Trust
Address	38W920 MCDONALD RD, ELGIN, IL 60124

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	406 ADDISON ST, ELGIN, IL 60120-5391
Transaction Type	Mortgage
Record Updated	Jul 27, 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	406 ADDISON ST, ELGIN, IL 60120-5391
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014258
Date	Mar 19, 2020
Instrument	2020K014258

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Apr 1, 2025

Interest

Rate	4.5%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	406 ADDISON ST, ELGIN, IL 60120-5391
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	CT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025733
Date	Apr 5, 2021
Instrument	2021K025733

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$5,755.00 (+3.51%)	$75,438 (+8.57%) Land $15,152 Building $60,286	$226,405 (+8.57%) Land $45,474 Building $180,930
2024	$5,560.00 (+20.82%)	$69,483 (+30.9%) Land $13,956 Building $55,527	$208,532 (+30.96%) Land $41,885 Building $166,648
2022	$4,602.00 (+3.95%)	$53,079 (+6.96%) Land $11,496 Building $41,583	$159,237 (+6.96%) Land $34,488 Building $124,749
2021	$4,427.00	$49,625 Land $10,748 Building $38,877	$148,875 Land $32,244 Building $116,631

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 625 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

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

Nearby Properties on Addison St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures