409 Division St, #15, Elgin, IL 60120 Property Records

Kane County property record for 409 Division St, #15, Elgin, IL 60120

Property Summary

Property Type	Commercial Vacant Land
Details	9 ba · 7,800 sqft · built 1960
Lot Size	0.337 acres (14,700 sqft)
Owner	2 Company Names on Record
Last Sale	$1,750,000 (Oct 2021)
Tax Bill	$18,114 (2025)
Deeds & Mortgages	Oct 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-13-183-003`

Property Details

APN / Parcel Number

Primary APN	`06-13-183-003`

Interior

Full Baths	9 Baths
Stories	2 Stories
Building Area	7,800 sqft Gross Area
Basement Area	2,600 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Lot Area	14,700 sqft (0.337 acres)

Location & Zoning

Street Address	409 DIVISION ST, 15
City	ELGIN
State	IL
Zip	60120
Property Category	Commercial
Property Type	Vacant Land > Commercial
Legal Description	I S BARTLETTS SUB OF OUTLOTS 1 & 2 J T GIFFORDS ADDN PART DESC IN BOOK 2294/29 LOTS 6 & 7
Legal Subdivision	J T GIFFORDS ADDN
Legal Block	3
Legal Lot Number	6,7
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	13131 MERGANSER CV, PLAINFIELD, IL 60585-7944
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2021 · Amount on Record
Deed Sale	Oct 22, 2021 · Amount on Record
Prior Sale	Nov 20, 2000 · Amount on Record
Deed Document Number	202180189
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Oct 22, 2021
Property Address	409 DIVISION ST # 15, 15, ELGIN, IL 60120-5734
Document Number	0000080189
Instrument Date	Sep 29, 2021
Instrument	2021K080189
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29W701 BUTTERFIELD RD STE 203, 203, WARRENVILLE, IL 60555-3624

Mortgage

Document Number	0000080190
Date	Oct 22, 2021
Instrument	2021K080190

Lender

Name	NORTHWEST BANK & TRUST CO
Type	Bank
Address	DAVENPORT, IA 52806

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	419 Months
Due	Sep 29, 2056

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	$18,114.00 (+15.96%)	$237,443 (+8.57%) Land $38,767 Building $198,676	$712,614 (+8.57%) Land $116,348 Building $596,267
2024		$218,700 (+21.39%) Land $35,707 Building $182,993	$656,363 (+21.44%) Land $107,164 Building $549,199
2022	$15,621.00 (+3.95%)	$180,158 (+6.96%) Land $29,415 Building $150,743	$540,474 (+6.96%) Land $88,245 Building $452,229
2021	$15,027.00	$168,435 Land $27,501 Building $140,934	$505,305 Land $82,503 Building $422,802

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 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.

Nearby Properties on Division St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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