Kane County property record for 409 North St, Elgin, IL 60120 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1900 |
| Square Footage | 1,679 sqft Living Area |
| Lot Size | 3,400 sqft (0.78 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $175,000 (2021) |
| Tax Bill | $5,374.00 (2025) |
| Primary APN | 06-13-180-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,679 sqft Living Area |
| Gross Area | 2,640 sqft Gross Area |
| Basement Area | 961 sqft Basement |
| Stories | 2 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Wood Exterior |
| Construction Type | Frame Construction |
| Lot Area | 3,400 sqft (0.78 acres) |
| Depth X Width | 68 ft x 50 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 409 NORTH ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5631 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | COUNTY CLERKS SUB EXCEPT SOUTH 23 FT LOT 294 |
| Legal Subdivision | COUNTY CLERKS SUB |
| Legal Block | 3 |
| Legal Lot Number | 294 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 3 |
| Census Block | 3005 |
| Census Tract | 851301 |
Source: Kane County records · APN 06-13-180-002
Assessment roll updated August 25, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 409 NORTH ST, ELGIN, IL 60120-5631 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 21, 2021 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 08, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 21, 2021 · Amount on Record |
| Deed Sale | Dec 21, 2021 · Amount on Record |
| Prior Sale | Jan 08, 2018 · Amount on Record |
| Deed Doc Number | 202194545 |
| Prior Transfer Date | Jun 20, 2001 |
| Prior Transfer Doc | 0000087483 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 21, 2021 |
| Property Address | 409 NORTH ST, ELGIN, IL 60120-5631 |
| Document Number | 0000094545 |
| Instrument Date | Nov 22, 2021 |
| Instrument | 2021K094545 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $175.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 409 NORTH ST, 409, ELGIN, IL 60120-5631 |
| Name | Verified Name |
|---|---|
| Address | 409 NORTH ST, ELGIN, IL 60120-5631 |
| Document Number | 0000094546 |
|---|---|
| Date | Dec 21, 2021 |
| Instrument | 2021K094546 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 08, 2018 |
| Property Address | 409 NORTH ST, ELGIN, IL 60120-5631 |
| Document Number | 0000001103 |
| Instrument Date | Dec 07, 2017 |
| Instrument | 2018K001103 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 409 NORTH ST, ELGIN, IL 60120-5631 |
| Document Number | 0000001104 |
|---|---|
| Date | Jan 08, 2018 |
| Instrument | 2018K001104 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2048 |
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,374.00 (+15.79%) Homeowner's exemption | ||
| 2024 | $72,256 (+21.39%) Land $11,265 Building $60,991 | $216,855 (+21.44%) Land $33,809 Building $183,046 | |
| 2022 | $4,641.00 (+4.79%) Homeowner's exemption | $59,523 (+6.96%) Land $9,280 Building $50,243 | $178,569 (+6.96%) Land $27,840 Building $150,729 |
| 2021 | $4,429.00 Homeowner's exemption | $55,650 Land $8,676 Building $46,974 | $166,950 Land $26,028 Building $140,922 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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