Kane County property record for 409 Hubbard Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,739 sqft · built 1959 |
| Lot Size | 0.187 acres (8,160 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $370,000 (Mar 2025) |
| Tax Bill | $7,690 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-15-230-004 |
| Primary APN | 06-15-230-004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 5 Stories |
| Building Area | 1,739 sqft Living Area |
| Gross Area | 2,765 sqft |
| Basement Area | 1,026 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 8,160 sqft (0.187 acres) |
| Lot Dimensions | 136 ft deep x 60 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 409 HUBBARD AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-3411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREENACRES LOT 14 BLOCK 4 |
| Legal Subdivision | GREENACRES |
| Legal Block | 4 |
| Legal Lot Number | 14 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 851102 |
Source: Kane County records, as of August 18, 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 | 1314 HORNE ST, SAINT CHARLES, IL 60174-3733 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2025 · Amount on Record |
| Deed Sale | Mar 17, 2025 · Amount on Record |
| Prior Sale | Nov 4, 2014 · Amount on Record |
| Deed Document Number | 20259312 |
| Prior Transfer Date | Apr 26, 1995 |
| Prior Transfer Doc | 0000023550 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 409 HUBBARD AVE, ELGIN, IL 60123-3411 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 409 HUBBARD AVE, ELGIN, IL 60123-3411 |
| Document Number | 0000049164 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | 2025K049164 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate | 5.75% |
|---|
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,690.00 (+4.2%) | $108,810 (+8.57%) Land $23,743 Building $85,067 | $326,561 (+8.57%) Land $71,258 Building $255,303 |
| 2024 | $7,380.00 (+11.18%) | $100,221 (+21.39%) Land $21,869 Building $78,352 | $300,783 (+21.44%) Land $65,633 Building $235,150 |
| 2022 | $6,638.00 (+4.52%) Homeowner's exemption | $82,559 (+6.96%) Land $18,015 Building $64,544 | $247,677 (+6.96%) Land $54,045 Building $193,632 |
| 2021 | $6,351.00 Homeowner's exemption | $77,187 Land $16,843 Building $60,344 | $231,561 Land $50,529 Building $181,032 |
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.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1982) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1982 · rainfall accumulation |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 302 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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