409 Mooresfield St, Elgin, IL 60124 Property Records

Kane County property record for 409 Mooresfield St, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,905 sqft · built 2006
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Aug 2020)
Tax Bill	$11,253 (2025)
Deeds & Mortgages	Nov 2025 Transfer Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-19-403-001`

Property Details

APN / Parcel Number

Primary APN	`06-19-403-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,905 sqft Living Area
Gross Area	3,872 sqft
Basement Area	967 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	409 MOOSEFIELD ST
City	ELGIN
State	IL
Zip	60124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE UNIT 3C LT 735
Legal Subdivision	PROVIDENCE
Legal Block	3
Legal Lot Number	735
Legal Unit	3C
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3006
Census Tract	851913

Owner

409 Mooresfield St is owned and occupied by two individuals who acquired it in November 2025.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	409 MOORESFIELD ST, ELGIN, IL 60124-3801
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Transfer on Death Deed, Transfer
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Aug 25, 2020	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2020 · Amount on File
Deed Sale	Aug 25, 2020 · Amount on File
Prior Sale	Apr 11, 2006 · Amount on File
Deed Document Number	202047881
Last Transfer Date	Nov 18, 2025
Transfer Doc	0000046574
Record Updated	Oct 29, 2026

November 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	KANE IL
Recording Date	Nov 24, 2025
Property Address	409 MOORESFIELD ST, ELGIN, IL 60124-3801
Document Number	0000046574
Map Reference	DOC 2005K069832
Instrument Date	Nov 18, 2025
Instrument	2025K046574
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 MOORESFIELD ST, ELGIN, IL 60124-3801

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	409 MOORESFIELD ST, ELGIN, IL 60124-3801
Transaction Type	Mortgage
Record Updated	Aug 16, 2021
Title Company	GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060145
Date	Aug 6, 2021
Instrument	2021K060145

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 25, 2020
Property Address	409 MOORESFIELD ST, ELGIN, IL 60124-3801
Document Number	0000047881
Map Reference	DOC 2005K069832
Instrument Date	Jul 6, 2020
Instrument	2020K047881
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1745 GREENE RIDGE DR, 1745, NAPERVILLE, IL 60565-6751

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	409 MOORESFIELD ST, ELGIN, IL 60124-3801

Mortgage

Document Number	0000047882
Date	Aug 25, 2020
Instrument	2020K047882

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	5.25%

Tax Assessment & Valuation

The 2025 property tax bill for 409 Mooresfield St was $11,253 with a homeowner's exemption, down 2.7% from the year before.

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	$11,253.00 (-2.71%) Homeowner's exemption	$151,695 (+8.57%) Land $43,240 Building $108,455	$455,267 (+8.57%) Land $129,772 Building $325,495
2024	$11,567.00 Homeowner's exemption	$139,721 Land $39,827 Building $99,894	$419,331 Land $119,529 Building $299,802
2022	$10,451.00 (-2.35%) Homeowner's exemption	$115,098 (+6.96%) Land $32,808 Building $82,290	$345,294 (+6.96%) Land $98,424 Building $246,870
2021	$10,703.00	$107,608 Land $30,673 Building $76,935	$322,824 Land $92,019 Building $230,805

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

FEMA maps place 409 Mooresfield St in Zone X, an area of minimal flood risk.

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 Policies	1 in force

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

The area around 409 Mooresfield St has no burnable land within ember reach, so its wildfire risk is not rated.

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 407 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 Fiber · DSL in parts of the area	1,000 / 1,000

May also be available: Verizon.

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