407 W Amberside Dr, Elgin, IL 60124 Property Records

Kane County property record for 407 W Amberside Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,321 sqft · built 2007
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$535,000 (Nov 2024)
Tax Bill	$12,785 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-07-470-009`

Property Details

APN / Parcel Number

Primary APN	`06-07-470-009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,321 sqft Living Area
Gross Area	5,033 sqft
Basement Area	1,712 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	407 W AMBERSIDE DR
City	ELGIN
State	IL
Zip	60124-7860
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOY PROPERTY LT 6
Legal Subdivision	FOY PROPERTY
Legal Block	4
Legal Lot Number	6
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	407 W AMBERSIDE DR, ELGIN, IL 60124-7860
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 11, 2021	Warranty Deed, Transfer PRECISION TITLE
Feb 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2024 · Amount on Record
Deed Sale	Nov 14, 2024 · Amount on Record
Prior Sale	Jun 11, 2021 · Amount on Record
Deed Document Number	202442083
Prior Transfer Date	Feb 4, 2020
Prior Transfer Doc	0000009433
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	407 W AMBERSIDE DR, ELGIN, IL 60124-7860
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012200
Date	Mar 9, 2020
Instrument	2020K012200

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Interest

Rate	3.62%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	407 W AMBERSIDE DR, ELGIN, IL 60124-7860
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018389
Date	Mar 9, 2021
Instrument	2021K018389

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2051

Interest

Rate	3%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 11, 2021
Property Address	407 W AMBERSIDE DR, ELGIN, IL 60124-7860
Document Number	0000044714
Map Reference	DOC 2006K022822
Instrument Date	May 17, 2021
Instrument	2021K044714
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	PRECISION TITLE

Transaction

Amount	Amount Recorded
Tax	$421.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 W AMBERSIDE DR, 407, ELGIN, IL 60124-7860

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	407 W AMBERSIDE DR, ELGIN, IL 60124-7860

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Feb 24, 2020
Property Address	407 W AMBERSIDE DR, ELGIN, IL 60124-7860
Document Number	0000009433
Instrument Date	Feb 4, 2020
Instrument	9433
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	407 W AMBERSIDE DR ELGIN IL 601247860, ELGIN, IL 60124-7860

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	$12,785.00 (+12.21%)	$171,253 (+8.57%) Land $44,049 Building $127,204	$513,965 (+8.57%) Land $132,200 Building $381,765
2024		$157,735 (+21.39%) Land $40,572 Building $117,163	$473,394 (+21.44%) Land $121,765 Building $351,630
2022	$11,394.00 (+1.88%) Homeowner's exemption	$129,937 (+6.96%) Land $33,422 Building $96,515	$389,811 (+6.96%) Land $100,266 Building $289,545
2021	$11,184.00 Homeowner's exemption	$121,482 Land $31,247 Building $90,235	$364,446 Land $93,741 Building $270,705

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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