409 Algona Ave, Elgin, IL 60120 Property Records

Kane County property record for 409 Algona Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,420 sqft · built 1890
Lot Size	0.197 acres (8,591 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Apr 2026)
Tax Bill	$6,580 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage May 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-333-002`

Property Details

APN / Parcel Number

Primary APN	`06-12-333-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,420 sqft Living Area
Gross Area	2,214 sqft
Basement Area	794 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,591 sqft (0.197 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 ALGONA AVE
City	ELGIN
State	IL
Zip	60120-3801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT ADDN LOT 6 BLOCK 1
Legal Subdivision	PROSPECT ADDN
Legal Block	1
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2000
Census Tract	851302

Owner

Source: Kane County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	409 ALGONA AVE, ELGIN, IL 60120-3801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 16, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 1, 2023	Warranty Deed, Transfer · Commercial Mortgage KIAVI FUNDING INC
Dec 6, 2016	Loan Modification, Mortgage · Conventional Mortgage NEIGHBORHOOD LENDING SVCS
Dec 6, 2016	Loan Modification, Mortgage · Conventional Mortgage NEIGHBORHOOD LENDING SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Prior Sale	May 16, 2023 · Amount on Record
Deed Document Number	202614083
Prior Transfer Date	Nov 23, 2009
Prior Transfer Doc	0000048214
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 8, 2026
Property Address	409 ALGONA AVE, ELGIN, IL 60120-3801
Document Number	0000014083
Instrument Date	Apr 7, 2026
Instrument	202614083
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	409 ALGONA AVE, ELGIN, IL 60120-3801

Mortgage

Document Number	0000014084,
Date	Apr 8, 2026
Instrument	202614084

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.63%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 16, 2023
Property Address	409 ALGONA AVE, ELGIN, IL 60120-3801
Document Number	0000015641
Instrument Date	May 5, 2023
Instrument	2023K015641
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	427 SOUTH AVE, AURORA, IL 60505-4721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 ALGONA AVE, ELGIN, IL 60120-3801

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 1, 2023
Property Address	409 ALGONA AVE, ELGIN, IL 60120-3801
Document Number	0000013707
Instrument Date	Apr 20, 2023
Instrument	2023K013707
Transaction Type	Transfer
Record Updated	May 11, 2023

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	729 STROM DR # DR2D, DR2D, WEST DUNDEE, IL 60118-2748

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 SOUTH AVE, AURORA, IL 60505-4721
Investor	Possibly a Property Investor

Mortgage

Document Number	0000013708
Date	May 1, 2023
Instrument	2023K013708

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	409 ALGONA AVE, ELGIN, IL 60120-3801
Document Number	0000003467
Instrument Date	Dec 6, 2016
Transaction Type	Mortgage
Record Updated	May 2, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 ALGONA AVE ELGIN IL 601203801, ELGIN, IL 60120-3801

Mortgage

Document Number	0000003467
Date	Jan 19, 2017
Instrument	3467

Lender

Name	NEIGHBORHOOD LENDING SVCS
Address	LAKE ZURICH, IL 60047

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Jan 18, 2040

Interest

Rate Type	Fixed Rate
Rate	4.77%

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	409 ALGONA AVE, ELGIN, IL 60120-3801
Document Number	0000002879
Instrument Date	Dec 6, 2016
Transaction Type	Mortgage
Record Updated	May 2, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 ALGONA AVE ELGIN IL 601203801, ELGIN, IL 60120-3801

Mortgage

Document Number	0000002879
Date	Jan 17, 2017
Instrument	2879

Lender

Name	NEIGHBORHOOD LENDING SVCS
Address	LAKE ZURICH, IL 60047

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jan 16, 2024

Interest

Rate Type	Fixed Rate
Rate	4.77%

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	$6,580.00 (+3.51%)	$86,253 (+8.57%) Land $21,020 Building $65,233	$258,863 (+8.57%) Land $63,085 Building $195,777
2024	$6,357.00 (+24.45%)	$79,445 (+22.39%) Land $19,361 Building $60,084	$238,430 (+22.44%) Land $58,106 Building $180,324
2022	$5,108.00 (+4.69%) Homeowner's exemption	$64,913 (+6.96%) Land $15,949 Building $48,964	$194,739 (+6.96%) Land $47,847 Building $146,892
2021	$4,879.00 Homeowner's exemption	$60,689 Land $14,911 Building $45,778	$182,067 Land $44,733 Building $137,334

Assessed value is set for property tax purposes, not a market price estimate; it is 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 592 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	100 / 20

May also be available: Verizon.

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